Transaction fee
Charged by payment processor or platform when the buyer pays.
Payment clarity
Payment methods, platform fees and net received amount should be clear before execution.
The amount a buyer pays may not equal the amount we receive. Payment processors, card networks, banks and currency conversion may deduct fees before funds arrive or during payout.
Fee types
Payment costs are third-party costs, not hidden service profit.
Actual fees depend on payment method, country, currency, card type, processor and payout route.
International card fee
May apply when buyer card country differs from merchant/payment account country.
Currency conversion fee
May apply when buyer pays in one currency and settlement or payout occurs in another.
Payout / withdrawal fee
Some platforms, banks or wallets may charge to withdraw or transfer funds.
Dispute / chargeback fee
Disputes may create additional processor or bank fees.
Refund fee limitation
Some processors may not return original processing fees when a refund is issued.
Calculation
Payment fee should be shown separately where possible.
This avoids misunderstandings such as “I paid 100, why did you not receive 100?”
Buyer payment amountThe amount charged to the buyer through card, PayPal, Stripe, bank transfer or another method.
Processor deductionsTransaction, cross-border, fixed, conversion, payout or withdrawal fees may be deducted.
Net received amountThe actual amount available after platform and payment-route deductions.
Execution budgetProduct cost, service fee, shipping, inspection and third-party costs should be covered by net received funds or separately invoiced.
Refunds
Refunds may not reverse every cost.
Even if a refund is approved, third-party fees may remain charged.
Service work already done
Service fees may not be refundable after research, communication, purchase, inspection or logistics work begins.
Payment processing fees
The payment provider may keep original processing fees.
Currency movement
Exchange rate differences may create gains or losses outside our control.
Before payment
Written fee confirmation protects both sides.
Before execution, we should confirm service fee, product cost, third-party cost, expected payment method and whether payment fees are included or added.
Do not send payment for prohibited, unclear, sensitive or high-risk goods before we confirm whether the request can be accepted.
Fee estimate
Payment fees should be estimated, then confirmed by actual payment route.
A 3.9%–5.5% estimate may be reasonable for online card/PayPal-style international payments, while bank or Wise-style manual payment routes may be lower. Final fees depend on provider, country, card type, currency conversion and payout route.
Operations headquarters: Hong Kong. Email is preferred for written payment and approval records: [email protected]
PayPal Hong Kong fee reference
For Hong Kong PayPal, 3.9% is usually not enough for international commercial payments.
PayPal Hong Kong standard domestic commercial transactions are 3.90% + fixed fee. International commercial transactions add 0.50 percentage points, so a practical base estimate is 4.40% + fixed fee before any currency-conversion spread. Online card payment rates may differ.
Domestic commercial
Estimate: 3.90% + fixed fee, based on PayPal Hong Kong business fee schedule.
International commercial
Estimate: 4.40% + fixed fee, because PayPal HK adds +0.50% for international commercial transactions.
Currency conversion
If funds are converted, PayPal's exchange rate may include an additional conversion fee above the base exchange rate.
Use actual PayPal account terms and actual invoice currency for final calculation. PayPal fixed fees depend on the currency received.
Important Fee Notice: Not every amount paid by the buyer is our service income. Product costs, supplier charges, payment processor deductions, shipping fees, warehouse costs, inspection fees, customs-related charges, taxes, duties and other third-party costs may be non-refundable unless the relevant third party actually refunds them to us. Read Pass-through Costs & Third-party Fees.
Ready to review your request?
Send your product link, supplier contact, photos, target quantity or RFQ. We will review service scope, fees and risk before paid execution.
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