Financial risk is inherent in international trade, but smart payment structures can protect your capital. This guide compares T/T (telegraphic transfer), L/C (letter of credit), PayPal, Alibaba Trade Assurance, and escrow services. We analyze the standard 30/70 payment split, explain when to use milestone-based payments, and discuss currency hedging strategies against RMB/USD fluctuations. Learn how to spot financial red flags, use secure payment platforms, and structure deals that balance supplier cash flow needs with your risk exposure.