Buyer Protection

Payment Protection Guide

Understand how international agricultural export payments work — and how MOH Capital Overseas protects buyers at every step.

MOH Capital Overseas only works with verified payment methods for your protection.

All payments are verified before goods are dispatched.

LC (Letter of Credit)

Low risk for buyer

What it is

Your bank issues a guarantee to the seller. Payment is released only when shipping documents meet the LC terms.

When to use

Large orders, new suppliers, or when you want maximum payment protection.

Buyer benefits

  • Highest buyer protection
  • Payment only after documents verified
  • Bank oversight on shipment compliance

Things to watch

  • Bank fees apply
  • Takes time to open
  • Requires documentation discipline

CAD (Cash Against Documents)

Medium risk for buyer

What it is

You pay the bank when shipping documents are presented and verified — goods are not released without payment.

When to use

Trusted suppliers or repeat orders where you want faster processing than LC.

Buyer benefits

  • Faster than LC
  • Documents checked before payment
  • Lower bank charges than LC

Things to watch

  • Less protection than LC
  • Depends on document accuracy

DP (Documents Against Payment)

Medium risk for buyer

What it is

Documents are handed to you only after your payment clears — similar to CAD with direct settlement.

When to use

Established suppliers with a proven track record on quality and dispatch.

Buyer benefits

  • Simple process
  • Quick for repeat business
  • Clear payment-to-documents flow

Things to watch

  • Less bank protection than LC
  • Quality disputes harder to resolve after payment

Secure Bank Transfer

Medium risk — verify supplier first

What it is

Payment via verified company bank account with invoice, proforma, and dispatch confirmation before final transfer.

When to use

Small to mid-size orders with verified exporters like MOH Capital Overseas.

Buyer benefits

  • Simple and direct
  • Works well with verified exporters
  • No LC opening delays

Things to watch

  • Less recourse than LC
  • Only safe with trusted, verified suppliers

Need help choosing the safest payment method for your import order?

Contact our export team