Buyers can choose from various secure payment methods including T/T, L/C, DP, OA, and platform-based protection like Alibaba Trade Assurance. New buyers typically pay via bank transfer with a 30/70 split, while trusted long-term partners may access credit terms. Most transactions are settled in USD, EUR, or CNY, but additional bank fees often apply. These costs and who bears them (buyer or seller) should be clarified in advance. To protect against cross-border payment risks, buyers are advised to use verified suppliers, secure payment methods, and export credit insurance where possible.