第三方付款注意事项

XTransfer建议由买家直接付款，同时也支持真实实物贸易下的第三方代付。

若由买家以外的第三方付款，XTransfer将对付款人及资金来源进行审核。请您和买家提前确认其与付款人的关系，并提供相关合规性文件，例如：
· 您的买家是A公司，并且由其关联公司B付款，则提供A与B双方的公司注册文件验证关联关系；
· 您的买家是A公司，并且由进口清关的代理商B公司代为付款，则提供A与B之间的进口代理协议；
· 您的买家是A公司，并且由终端买家B公司付款，则提供A与B之间的采购合同，或A发货给B的历史物流单据；

另外，建议提醒付款人在汇款时添加含交易背景的汇款附言，可以加速入账。附言需备注买家名称、invoice number及产品品名，例如：（Buyer Name）（PI/Contract number） (product category)。
例如，您的买家是X公司，并且由其关联公司Y付款，则Y公司在付款时可按如下方式填写附言：Company X, Invoice NO. xxxxxx, Product xxxxxx

针对全球收款账户，关于第三方代付（非买家本企业付款）要求

1. 关于代付的整体原则
仅接受存在合理商业逻辑的代付，不接受任何无合理背景或可疑的代付行为。

2. 不可接受的代付场景
付款人涉嫌地下钱庄；
付款人历史曾涉及制裁或其他高风险付款行为。

3. 可接受的代付场景及材料要求
付款人是买家公司股东、董事
可能会需配合提供董事或股东的正式关系证明材料。

付款人是买家的关联公司
可能会需配合提供与买家存在股权交叉关系证明材料。

付款人是买家的终端客户（付款人行业与贵公司主营业务匹配）
材料要求：
提供三方合同，或付款人与买家采购合同。
合同需加盖公司公章或有效签字；如为签字，需同时提供签字人的身份证明文件（如身份证、护照等）。
数量管控：同一买家，建议不要使用多个第三方代付，否则可能被拒收退回。

付款人是买家的贸易合作方（例如货代、报关代理公司）
材料要求：提供买家与付款公司之间的代理协议。
数量管控：同一买家，建议不要使用多个第三方代付，否则可能被拒收退回。

4. 其他注意事项
部分收款账户可能不支持第三方代付或有其他要求，如有冲突请以具体收款账户要求为准。
如通过第三方支付平台汇款，可提供原始汇款人水单等材料来辅助判断是否属于第三方代付。

Global Receiving Account Requirements Regarding Third-Party Payments (Payments made by an entity other than the buyer's own company)
Overall Policy on Third-Party Payments:
Only third-party payments with justifiable commercial rationale will be accepted; payments deemed suspicious or those lacking a reasonable background will be rejected.
Unacceptable Third-Party Payment Scenarios
The payer is suspected of operating an underground bank
The payer has a history of involvement in sanctions-related activity or other high-risk payment activity
Acceptable Third-Party Payment Scenarios and Documentation Requirements
The payer is a shareholder or director of the buyer company
May require supporting documentation to officially verify the relationship to the director or shareholder
The payer is an affiliated company of the buyer
May require supporting documentation showing the shared equity or cross-holding structure with the buyer
The payer is the end-customer of the buyer (The payer's industry must be compatible with your company's primary business operations)
Required documentation:
A tripartite contract, or a purchase agreement between the payer and the buyer.
Contracts must bear the company's official seal or a valid signature. For signed contracts, identification (such as an ID card or passport) of the signatory must be submitted
Quantity control: It is recommended that the same buyer avoid using multiple third-party payments, otherwise the transaction may be rejected and returned.
The payer is the buyer's business partner (e.g., a freight forwarder or customs broker)
Required documentation: Provide the agency agreement between the buyer and the paying company.
Quantity control: It is recommended that the same buyer avoid using multiple third-party payments, otherwise the transaction may be rejected and returned.
Please note: Some receiving accounts may not support third-party payments or may have other requirements. In the event of any discrepancy, please refer to the specific requirements for the receiving account in question.
Please note: For remittances made via a third-party payment platform, the original proof of payment (e.g., bank transfer receipt) from the remitter can be provided to help verify if the payment is a third-party payment.