Before paying an overseas supplier, confirm what you are ordering, how you will pay, and when the money is due. Keep those terms with the order confirmation.
JBD buyers place orders and pay online. When comparing another supplier's offer, especially for made-to-order work, check any deposit, transfer or other payment arrangement against that offer's terms.
A payment channel moves the money; a payment schedule sets when it is due. Shipping and import charges belong to the delivery agreement. Check each separately when reading a quotation.
Separate the payment channel from the payment schedule
“Bank transfer” and “40% deposit” answer different questions. The first describes a way to send funds. The second describes one part of a schedule. A supplier could request a deposit by transfer, or offer an online payment link for an agreed installment. The actual arrangement must say both how and when payment happens.
| Wording in an offer | Plain-language meaning | What to clarify |
|---|---|---|
| Card payment or online checkout | A payment route | Which options are available for this order, currency and buyer location? |
| Bank transfer, wire or T/T | Instructions to transfer money through banks; T/T means telegraphic transfer | Who receives the payment, in which currency, and how are fees handled? |
| Payment in advance | Money is due before the agreed shipment or other milestone | Is the full amount due, or only a stated part? |
| Deposit and balance | The price is split across agreed payment stages | What amount is due at each stage, and what triggers the next payment? |
| Open account or agreed credit terms | Payment becomes due after the agreed supply stage | What date starts the clock, and has the supplier approved these terms? |
The U.S. International Trade Administration covers cash-in-advance options, including wire and card payments, and other trade payment arrangements from an exporter's perspective. For your purchase, confirm which methods the seller actually offers and on what terms.
HSBC’s international banking glossary explains telegraphic transfer, or TT. For “net 30,” agree which event starts the 30-day clock and get the due date in writing: invoice, dispatch and delivery are different starting points.
What changes between a stock order and a production order?
For a stock order, retain the selected variant, quantity, displayed price, delivery address and final total from checkout and confirmation. Keep payment confirmation separate from dispatch status; it records payment, not warehouse departure.
All JBD website orders ship by air under DDP, with ordering and payment online. Use the payment methods displayed for your order and consult the JBD FAQ for order help.
A made-to-order offer may need an agreed specification, sample approval and payment schedule. If the supplier requests a deposit, confirm what it covers, the balance trigger and the treatment of specification changes or cancellation.
A worked payment schedule
Hypothetical teaching example, not a JBD offer or a standard industry deposit. A buyer and a fictional supplier agree on a USD 600 production order. The written schedule requires 40% at order confirmation and the rest after the buyer approves a named pre-dispatch review.
- Deposit: USD 600 × 40% = USD 240.
- Remaining product balance: USD 600 − USD 240 = USD 360.
- Total product payments: USD 240 + USD 360 = USD 600.
The agreement must still identify the approved design revision, what evidence the pre-dispatch review requires, whether delivery charges are included, and how any later adjustment changes the balance. The calculation does not settle those contract questions. Neither 40% nor this milestone is presented as a universal practice.
Record pending approval as pending, even when a balance reminder arrives. The jewelry sample inspection guide helps keep the criteria, observations and open actions with the approval decision.
Compare payment routes using the right questions
Check the amount and currency before completing an online payment, then save the order number and payment reference. If the order status remains unclear, check the account or contact the seller before paying again.
For a bank transfer, retain the beneficiary, bank instructions, order reference and agreed currency. Clarify whether the quoted sum is what you send or what the seller must receive after charges from the sending, intermediary and receiving banks. HSBC Macau’s outward-payment information, printed pages 7–8, illustrates the effect of other-bank charges; it is not a current fee quotation.
Consider a second hypothetical example. An invoice requires the seller to receive USD 300. A separately quoted sending fee of USD 8 would make the buyer's initial outlay USD 308 only if no other deduction or conversion applies. If another charge reduces what arrives, the invoice may remain partly unpaid. USD 308 is an illustration of the question to resolve, not a live bank fee or a promise about a transfer service.
For a card, wallet or payment platform, check the provider's eligibility, currency conversion, business-use and dispute rules for the transaction. A familiar logo is no substitute for those conditions.
A wholesale purchase may have different protection eligibility
The U.S. PayPal Purchase Protection policy, last updated January 26, 2026, lists items intended for resale among its exclusions. It also excludes personal payments and limits “Significantly Not as Described” claims for wholly or partly custom-made items. Those are different exclusions; they should not be compressed into “all jewelry is excluded” or “all online purchases are covered.”
For stock bought for resale, first identify the account country or region and save the current policy version. Then check purchase purpose (including resale), transaction eligibility, the issue category such as non-receipt or not-as-described, and the applicable deadlines and documents. For a hypothetical U.S.-account purchase of resale stock, the cited policy's resale exclusion is the relevant starting point; do not transfer that finding to every region or provider.
Platform protection, a card issuer's dispute process and contractual remedies are different routes with their own conditions. The U.S. PayPal policy separately discusses card-issuer disputes and restricts simultaneous pursuit and double recovery. Check the applicable provider or issuer rules before choosing a route; neither a card logo nor the exclusion above decides all rights or guarantees reimbursement. This is an eligibility-check example, not personal financial advice or a statement that PayPal is offered at JBD checkout.
Match the documents without making the process bigger than the order
Match the records of what was agreed, paid and shipped. Check what each document establishes instead of relying on its “invoice” label or creating paperwork the order does not need.
| Document or record | What it helps you understand | What it does not establish by itself |
|---|---|---|
| Quotation or pro forma invoice, often PI | Proposed goods, price and terms before the transaction proceeds | That payment was received or the goods were dispatched |
| Order confirmation or agreed purchase record | Which items and terms relate to the accepted order | That every item has passed inspection |
| Payment receipt or transaction reference | A recorded payment associated with an order | That the physical goods match the description |
| Commercial invoice | Shipment and sale information used for customs clearance | A quality certificate or proof of delivery |
| Packing list | What is packed, and how quantities/packages are described | A replacement for the commercial invoice |
The International Trade Administration describes a pro forma invoice as a quotation in invoice form, explains the customs role in its commercial invoice guidance, and distinguishes the packing list in its export-document overview. Check destination requirements for the actual shipment.
For a small buyer, a useful check is to follow the same SKU, quantity, currency and order reference across the records. If the payment request says 60 pieces but the confirmed order says 50, resolve that discrepancy before treating the new total as agreed. Retain the correction and the document revision rather than editing away the earlier message.
Traditional trade terms you may encounter elsewhere
The terms below concern offers from other suppliers, not a list of JBD checkout options. When such a supplier proposes a bank-backed arrangement, establish the bank's role and payment conditions before considering it.
A letter of credit, or L/C, is a bank's conditional commitment to pay against specified documents. The official L/C explanation describes that documentary role; the product specification and agreed inspection still need separate attention.
Documentary collection uses banks to handle documents under agreed instructions. D/P releases documents against payment; D/A releases them against the buyer's acceptance of an obligation to pay later. The International Trade Administration's collection guide explains that banks facilitate collection without guaranteeing payment. Seek suitable banking advice on the actual arrangement.
Open account sets an agreed later payment; consignment links payment to subsequent sales under the parties' agreement. A B2B order does not grant either by default. Agree due dates, unsold-stock treatment and other conditions before relying on an offer.
Watch the official terminology overview
The International Trade Administration's Methods of Payment video gives an exporter's overview of these arrangements. Use it as a terminology reference, not a JBD checkout tutorial.
International Trade Administration: Methods of Payment
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Watch Methods of Payment on YouTube.
Keep payment, delivery and product acceptance connected
Record payment, dispatch, delivery and any unresolved discrepancy separately. A support team can then answer a specific stage question instead of trying to interpret “my order is not finished.”
JBD's DDP terms address delivery and import responsibilities, not the payment channel. Use the DDP versus DAP guide for those responsibilities and the small-order shipping guide for the parcel journey.
Verify changed bank details through a secondary channel, as the FBI's Internet Crime Complaint Center guidance recommends. Use an independently established contact route, not just the details in the change request, and record who confirmed the change and which order it affects.
Download the payment and order record. For an online order, start with the order reference, currency, payment route shown for that order, amount, payment reference and dispatch status. Use extra_terms_if_relevant for a separate bank fee, deposit schedule or changed-payee check only when it actually applies. The USD 600 and USD 300 examples remain explicitly hypothetical and concern fictional arrangements, not JBD checkout terms. This is a record of your transaction, not a payment instruction.
For a JBD purchase, check the items and checkout total, pay through the available online flow, and save the confirmation. When comparing another supplier's proposal, record changes to the payment arrangement before committing.