第三方付款注意事项

一、整体带三方代付原则

· 明确不支持的代付方：付款人涉嫌地下钱庄、历史曾涉及制裁或其他高风险付款行为；
· 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；

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

二、全球收款账户的第三方代付要求

可接受的代付场景及材料要求：

1. 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。
2. 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。
3. 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）
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）。
4. 付款人是买家的贸易合作方（例如货代、报关代理公司）
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。
5. 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。不同本地渠道依据风险偏好不同，对代付场景支持范围及材料要求存在差异，请参照具体渠道要求

三、本地收款账户的第三方代付要求

1. 可接受的代付场景及类型

1） 个人代付

· 付款人是买家公司股东、董事
需要提供的证明材料：若无法通过查询验证，则需提供董事或股东的正式关系证明材料（如公司章程）。 · 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；
需要提供的证明材料：员工雇佣合同或在职证明

2） 企业代付
· 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）
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）
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。

2. 本地个人付款额度管控（除欧洲、美国、澳大利亚）

在物流材料满足XTransfer要求的基础上，根据客户可提交的物流材料质量，阶梯制定商户个人收款总额度（本地收款账户及账单收款都受此限制）。

1）单个付款人单收款账户维度：

年度限额等值均为60万美金

2）对应的商户个人收款总额度：

● 客群一：
·商户个人收款总额度：·
按付款国家区分，每个付款国家维度，商户个人收款年度限额等值400万美金，季度限额等值150万美金。
·条件：若客户可提供以下材料三者之一
○正本或副本海运/空运提单，但收发货人均无法匹配买卖家，需要其他材料证明关系
○可追踪物流轨迹的陆运单据，但收发货人均无法匹配买卖家，需要其他材料证明关系
○可提供出口报关单、陆运单据及签收证明，但报关单双方均无法匹配买卖家，需要其他材料证明关系

● 客群二：
·商户个人收款总额度：
按付款国家区分，每个付款国家维度，商户个人收款年度限额等值800万美金，季度限额等值300万美金
·条件：可提客户供以下三者之一
○正本或副本海运/空运提单，且收发货人其中一方匹配买卖家
○可追踪物流轨迹的陆运单据，且收发货人其中一方匹配买卖家
○可提供出口报关单、陆运单据及签收证明，且报关单其中一方匹配买卖家

● 客群三：
·商户个人收款总额度：
不支持开通对应国家本地收款账户
·条件：无法提供上述任意一种材料的
如仅有陆运单据但无法核验物流轨迹

I. Overall Policy on Third-Party Payments

· Prohibited third-party payers: Payers suspected of operating an underground bank, or who have a history of involvement in sanctions-related activities or other high-risk payment activities；
· Only third-party payments with justifiable commercial rationale will be accepted; payments deemed suspicious or those lacking a reasonable underlying transaction will be rejected.

When sending payment, the payer is advised to include a payment note detailing the transaction details to expedite the crediting process. Payment notes should include the buyer's name, invoice number, and product description. For example: (Buyer’s name), (PI/contract no.), (product category). For instance, if your buyer is Company X but payment is made by its affiliate, Company Y, Company Y should complete the payment note as follows: Company X, Invoice no. xxxxxx, Product xxxxxx

II. Global Receiving Account Requirements Regarding Third-Party Payments

Acceptable third-party payment scenarios and documentation requirements:

1. 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.
2. The payer is an affiliated company of the buyer
May require supporting documentation showing the cross-holding structure with the buyer.
3. The payer is the end-customer of the buyer (The payer's industry must be compatible with your company's primary business operations).
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, the signatory’s identification (such as an ID card or passport) must be submitted.
Quantity control: It is recommended that a single buyer avoid using multiple third-party payments, otherwise the transaction may be rejected and returned.
4. The payer is a related business partner of the buyer (e.g., a freight forwarder or customs broker).
Provide the agency agreement between the buyer and the paying company. Quantity control: It is recommended that a single buyer avoid using multiple third-party payments, otherwise the transaction may be rejected and returned.
5. 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. For payments made via a third-party payment platform, the original payment statement (e.g., bank transfer receipt) from the money sender can be provided to help verify if the payment is a third-party payment. The types of third-party payments supported and the required documents may vary depending on the risk policy of the local channel. Please refer to the requirements of each individual channel.

III. Local Receiving Account Requirements Regarding Third-Party Payments

1. Acceptable third-party payment scenarios and documentation requirements

(1) Third-party payments by individuals

· The payer is a shareholder or director of the buyer company
Required documentation: If verification cannot be completed via a search, supporting documentation must be provided to officially verify the relationship to the director or shareholder (such as the company’s articles of association). · The payer is an employee of the buyer company
Required documentation: The employee’s employment contract or proof of employment with the company.

(2）Third-party payments by businesses
· The payer is an affiliated company of the buyer
May require supporting documentation showing the 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, the signatory’s identification (such as an ID card or passport) must be submitted. Quantity control: It is recommended that a single buyer avoid using multiple third-party payments, otherwise the transaction may be rejected and returned. · The payer is a related business partner of the buyer (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 a single buyer avoid using multiple third-party payments, otherwise the transaction may be rejected and returned.

2. Local Individual Payment Limits (excluding Europe, the United States, and Australia)

Provided that shipping documents meet XTransfer’s requirements, a merchant's total individual receiving limits—for both local receiving accounts and the Request money feature—are tiered according to the quality of the shipping documentation submitted by the customer.

（1) Single payer to single receiving account:

Annual limits are set at an equivalent of $600,000 USD.

（2）Total individual receiving limit for the merchant:

● User group I：
·Merchant’s total individual receiving limit:
On a per-payer-country basis, the merchant’s individual receiving limits are set at an equivalent of $4 million USD annually and $1.5 million USD quarterly.
·Conditions: If the customer provides one of the following three document types:
○ Original or copy of the ocean freight bill of lading/air waybill, but neither the shipper nor the consignee matches the buyer and seller, then additional supporting documents are required to prove the relationship.
○ Trackable ground transportation documents, but neither the shipper nor the consignee matches the buyer and seller, then additional supporting documents are required to prove the relationship.
○ Export customs forms, land transport documents, and proof of delivery, but neither of the parties specified on the customs forms matches the buyer and seller, then additional supporting documents are required to prove the relationship.

● User group II：
·Merchant’s total individual receiving limit:
On a per-payer-country basis, the merchant’s individual receiving limits are set at an equivalent of $8 million USD annually and $3 million USD quarterly.
·Conditions: If the customer provides one of the following three document types:
○ Original or copy of the ocean freight bill of lading/air waybill, provided that either the shipper or the consignee matches the buyer and seller.
○ Trackable ground transportation documents, provided that either the shipper or the consignee matches the buyer and seller.
○ Export customs forms, land transport documents, and proof of delivery, provided that at least one of the parties specified on the customs forms matches the buyer and seller.

● User group III：
·Merchant’s total individual receiving limit:
Activation of local receiving accounts in these countries is not supported
·Conditions: If none of the above documents can be provided:
E.g., only land transport documents are available but shipping status tracking cannot be verified.