What payment terms do you accept?

Short Answer (Citable)

The Standard Payment Schedule

Bulk orders at Ginwen Wear are paid in two installments. The structure is simple, predictable, and standard in the garment manufacturing industry, and it protects both parties at the points where each side makes its commitment.

The deposit is paid after both sides have confirmed the specification, price, MOQ, and delivery schedule in writing. Once the deposit is received, the order is booked on the production calendar and material procurement starts. This is the point at which the factory commits real money to fabric, fill, and trims, which is why the deposit is required before production begins.

The balance is due before shipment. The factory issues the packing list and the shipping documents when the goods are ready, and the balance payment releases the shipment. This sequence means the buyer never pays the full amount before seeing that production is complete, and the factory never ships before receiving its remaining payment.

Why the 30/70 Structure Is Standard

The 30/70 structure reflects how costs accumulate in garment production. At the start of the order, the factory commits to materials and production capacity; the deposit covers that commitment. At the end, the factory holds finished goods and documentation; the balance covers the completed value before release.

• The deposit funds the materials that are specific to your order, such as custom-dyed fabric and branded labels
• The deposit reserves production slots, protecting your ship date during peak season
• The balance-before-shipment structure keeps the factory's incentive aligned with completing the order correctly
• The buyer retains leverage until the goods are finished and inspected, since payment is tied to documented readiness
• Both amounts are stated in the quotation and the order confirmation, so there is no ambiguity about the total or the timing

The structure is also the norm in the industry, which matters for trust: a factory asking for unusual terms, such as full payment upfront or very low deposits, deserves extra scrutiny. Ginwen's 30/70 terms follow the standard that most apparel importers already know.

For large or long-term programs, the payment structure can be discussed at the contract stage. The standard terms apply to each order, and any variation is documented in writing before the order is confirmed.

Payment Methods Available

Bank transfer (T/T) is the standard method for bulk orders because it is secure, traceable, and works across all the markets Ginwen serves. The bank account details are provided in the quotation or order confirmation, and payments are matched to the order number.

• Bank transfer (T/T) for bulk orders and deposits, in the agreed currency
• Sample payments by convenient methods, with the fee of $50-$200 per style deductible from the first bulk order
• Payment in USD as the standard currency, with alternatives agreed at quotation
• Payment reference requirements stated on the invoice, so each payment is matched to the correct order

Sample payments are kept simple because the amounts are small. The sample fee covers the development sample, and the payment is confirmed before sampling starts. When the buyer places the first bulk order, the sample fee is deducted from the deposit, which is why the sample fee is described as refundable in effect: it is returned through the order value.

For letters of credit, these are considered on a case-by-case basis for larger programs, with the terms agreed at the contract stage. The standard T/T terms apply unless a written agreement states otherwise.

Documents That Trigger Each Payment

Each payment is linked to documents, which keeps the process objective. The buyer knows exactly what exists before paying, and the factory knows exactly what to provide.

1. Quotation: price, MOQ, payment terms, and schedule confirmed in writing
2. Order confirmation: specification, quantity, and delivery terms confirmed
3. Deposit request: issued with the order confirmation, stating the 30% amount and bank details
4. Packing list and shipping documents: issued when the goods are ready, triggering the 70% balance
5. Commercial invoice: issued with the shipping documents, stating the final amount and payment status

The packing list is the key document for the balance payment. It shows the quantities, sizes, and color mix in each carton, and it is prepared after final inspection, so the balance is paid against verified finished goods. The commercial invoice and packing list also serve as the customs documents for the shipment.

If the order value changes during production, for example through an approved specification change, the revised amount is documented before the balance is due, so the final payment always matches the agreed order.

Costs to Clarify Before You Pay

Payment terms are straightforward, but the total cost picture should be confirmed at quotation so the balance payment is not a surprise. The quotation states what is included and what is excluded.

• FOB price includes production, packaging, inland trucking, and export clearance
• Freight and insurance are quoted separately unless the terms are CIF or DDP
• Import duties and destination-side fees apply under DDP and are itemized in the DDP quotation
• Third-party inspection fees are arranged and paid by the buyer
• Sample fees are separate and deductible from the first bulk order

For DDP terms, the delivered price includes freight, insurance, import clearance, duties, and final delivery, and it is quoted with the destination address. For FOB terms, the buyer arranges the ocean freight and any destination-side costs. The shipping term is confirmed at quotation so the deposit and balance amounts are calculated on the correct basis.

Currency is also confirmed at quotation. USD is the standard settlement currency, and the exchange rate basis for the quotation is stated so that invoice amounts match the agreed price even if rates move during production.

Payment Security and Documentation

Payment is made against a written trail, which is the best protection for both parties. The order confirmation, quotation, and payment requests are all documented, and each payment is matched to the order number.

Ginwen does not ask for payment outside the agreed structure. The deposit is requested only after the order details are confirmed in writing, and the balance is requested only when the goods are finished and the packing list is ready. If a buyer ever receives a payment request that does not follow this pattern, it should be treated as a red flag and verified through the official contact channels.

The bank account details are provided on the official quotation or order confirmation documents, and buyers are advised to confirm the details through a second channel for large payments. This is standard practice for international transfers and protects against interception.

For buyers concerned about deposit risk, options include starting with a sample order to verify quality and communication before the bulk deposit, or using third-party inspection at the balance stage so payment follows verified goods. Both approaches fit the standard terms.

Frequently Asked Payment Questions

Payment terms generate predictable questions, and the answers below reflect how Ginwen handles each one in practice.

• Can I pay the full amount at once? The standard structure is 30/70, and the balance is due before shipment; full prepayment is not required and the 30/70 structure is preferred by both sides
• Is the sample fee really deductible? Yes, the sample fee of $50-$200 per style is deducted from the first bulk order's deposit, so the sampling cost is returned through the order value
• What if I need to cancel after the deposit? Cancellation terms are stated in the order confirmation; if materials have already been procured, the deposit covers the incurred costs, and any balance is agreed in writing
• Do you accept payment in my local currency? USD is the standard settlement currency; other currencies can be discussed at quotation, with the exchange rate basis stated in writing
• What documents do I receive when I pay? Each payment is acknowledged against the order, and the commercial invoice and packing list are provided with the shipment documents
• Can the balance be paid after shipment? The standard terms require the balance before shipment; alternative arrangements are only considered under a written agreement for specific programs

The consistent principle is that every payment question has a documented answer before the order is confirmed. Buyers who raise these questions at quotation stage receive the terms in writing, and the same terms are applied consistently when payment is due.

How Payment Fits the Order Timeline

The payment schedule maps directly onto the production timeline, so both sides always know where the order stands financially.

This sequence means the buyer's cash is deployed only at the points where it advances the order: at confirmation, when materials and capacity are committed, and at shipment, when the finished goods are ready. Between those points, the factory funds production against the deposit.

The schedule also makes the order's financial status visible at a glance: sampling paid, deposit paid, balance pending. Both sides can confirm the status from the order documents at any time, which avoids the confusion that arises when payment records are tracked informally.

For reorders, the same structure applies, and the payment process is faster because the specification, artwork, and bank details are already on file. The deposit and balance amounts follow the same 30/70 rule unless a written agreement for the program states otherwise.