Payment reference: quoting is a skill — getting paid is confidence
The customer asks "What payment terms do you accept?" — and many newcomers freeze. How do you talk about T/T? Is there a cheaper way? Which platform suits which situation? Xiaofan ships with a payment reference: common channels and their use cases, organized and within reach, so payment talk never catches you off guard.
What it does for you
Platform reference cards
Essential info and use cases for common cross-border payment platforms, organized as cards. When a customer asks, open and talk — no frantic Googling mid-chat.
Payment terms quick check
Common T/T deposit/balance splits, sight letters of credit and typical combos — a quick reference that steadies you when negotiating terms.
Risk checkpoint reminders
Common payment risks compiled into a checklist. Run through it before onboarding new customers or big orders — every pitfall skipped is real money saved.
Local, private, always available
The reference material is stored encrypted on your own computer — accessible offline on the road, and it never leaves your machine.
A real scenario
A new customer asks about payment
A first-time customer asks about payment terms on WhatsApp. You open the payment reference and give a professional combo (say, 30% deposit + 70% against B/L copy), then generate a Pi with the payment terms written in and send it over.
What the customer sees: a supplier who quotes fast, spells out terms clearly and has a professional payment plan. The topic everyone's shy to probe becomes your chance to show professionalism.
FAQ
- Does this feature collect payments for me?
- No. It provides reference information and learning material so you can discuss payment terms professionally. Actual collection still goes through your chosen bank or payment platform.
- Is the reference updated?
- Software updates refresh the reference content; you can also add your own payment materials to the knowledge base.
- Is it for beginners or veterans?
- Both. Beginners use it to learn payment basics fast; veterans use it for quick lookups and to keep the whole team on one message.