Payments to China without restrictions

Pay Chinese suppliers via UnionPay, Alipay, WeChat Pay. We work with Taobao, 1688, Alibaba. Commission from 0.86%.

  • 100% legal
  • Without foreign currency account
  • UnionPay, Alipay, WeChat Pay
  • Payment within 1-2 days

Payments to China

Payment to Chinese suppliers

China

Payment systems

Support

UnionPay

Alipay

WeChat Pay

What is included in the service

Transfers in Yuan (CNY)

Payment to marketplaces

Working with top banks

Commission

from 0.86%

Term

1-2 days

Solving payment problems to China

We understand the specifics of working with Chinese suppliers and offer working solutions

Typical problems

  • Bank refuses RMB (CNY) transfer due to restrictions
  • No access to Chinese payment systems (Alipay, WeChat Pay)
  • High fees for transfers to China (3-7%)
  • Difficulties with payment on Taobao, 1688, Alibaba without a Chinese account
  • Long terms for transfers via SWIFT (5-10 days)
  • Problems with currency control when working with China

OZTA Solutions

  • We work as an agent - we transfer on our behalf in yuan (CNY)
  • Commission from 1.2% - 2-5 times lower than bank fees
  • Support UnionPay, Alipay, WeChat Pay for fast transfers
  • Direct payment to Taobao, 1688, Alibaba without Chinese account
  • Transfers in 1-2 days instead of 5-10 days through a bank
  • We take over currency control and document management

How does this work

Simple payment process to Chinese suppliers in 5 steps

1

Bid

Leave a request on the website or write to the manager. Specify the amount, recipient, purpose of payment.

2

Calculation

The manager calculates the cost (commission + yuan exchange rate). We fix the rate at the time of application.

3

Payment to us

Transfer rubles to our account. Sign an agency agreement (can be done electronically).

4

Transfer to China

We convert rubles into yuan and transfer to the supplier via UnionPay, Alipay or WeChat Pay.

5

Documents

You receive a full package of documents: agreement, act, invoice, payment order.

All operations are completely legal. We work under an agency agreement with a full package of documents for accounting.

Support for local payment systems

We work with Chinese payment systems for fast and convenient transfers

UnionPay

银联

China's largest payment system, accepted in 180+ countries

  • International transfers in RMB (CNY)
  • Accepted in 180+ countries worldwide
  • Low commissions for corporate clients
  • Fast enrollment (1-2 business days)

Alipay

支付宝

The largest mobile payment system in China, more than 1 billion users

  • Instant transfers between accounts
  • Integration with Taobao, Tmall, 1688
  • B2B payments support
  • User-friendly interface for business

WeChat Pay

微信支付

Payment system inside WeChat, popular among Chinese suppliers

  • Payments via WeChat messenger
  • Wide distribution among suppliers
  • Fast transfers (up to several minutes)
  • Convenient for small payments

Benefits of working with local systems

Faster than SWIFT - transfers in 1-2 days instead of 5-10 days

Lower commissions - local systems are cheaper than international ones

More convenient for suppliers - they receive money to their usual accounts

Fewer restrictions - local systems operate without sanctions restrictions

We work with the largest banks in China

Partnership with the top 5 banks in each region for reliable and fast transfers

National banks

The largest banks in China with branches throughout the country

Industrial and Commercial Bank of China (ICBC)

中国工商银行

The world's largest bank by assets, serving corporate clients throughout the country

China Construction Bank (CCB)

中国建设银行

The second largest bank in China, specializes in corporate services and international transfers

Agricultural Bank of China (ABC)

中国农业银行

One of China's Big Four banks, strong in rural areas

Bank of China (BOC)

中国银行

The oldest bank in China, a leader in international transfers and foreign exchange transactions

Bank of Communications (BOCOM)

交通银行

The fifth largest bank, specializing in corporate services and trade finance

Guangdong (South China)

Economic center of China including Guangzhou, Shenzhen, Dongguan

China Merchants Bank (CMB)

招商银行

Leading private bank, strong position in Guangdong, specializing in corporate clients

Ping An Bank

平安银行

Large private bank, innovative business solutions, strong digital platform

China Minsheng Bank

中国民生银行

Private bank specializing in servicing small and medium-sized businesses

Guangdong Development Bank

广发银行

Regional bank with a strong position in Guangdong, fast transfers for business

Shenzhen Development Bank

深圳发展银行

Bank from the technology center of China, specializing in innovative companies

Shanghai (East China)

Financial center of China including Shanghai, Suzhou, Hangzhou

Shanghai Pudong Development Bank (SPDB)

上海浦东发展银行

Large regional bank, strong position in Shanghai and eastern China

Bank of Shanghai

上海银行

City Bank of Shanghai, specializes in serving local businesses

Hua Xia Bank

华夏银行

National bank with a strong position in Shanghai, corporate services

Industrial Bank

兴业银行

Large bank, specializing in corporate finance and international trade

China Everbright Bank

中国光大银行

State Bank, strong position in Shanghai, services for export-import transactions

Beijing (Northern China)

Capital and political center including Beijing, Tianjin

Beijing Bank

北京银行

Beijing City Bank, serving local businesses and government contracts

Bank of Beijing

北京银行

Large regional bank, strong ties to state-owned enterprises

China CITIC Bank

中信银行

Bank of the CITIC group, specializing in corporate services and international trade

China Guangfa Bank

广发银行

National bank with a strong position in Beijing, services for large businesses

Bank of Beijing

北京银行

Regional bank, specializing in servicing metropolitan businesses

Tariffs and commissions

Transparent pricing for payments to China with no hidden fees

Up to $10,000

4%

from $50

1-2 days
Popular

$10,000 - $50,000

2%

from $150

1-2 days

$50,000+

from 0.86%

individually

1-2 days

What is included in the commission

  • Convert rubles to yuan (CNY) at a favorable rate
  • All bank fees and expenses
  • Payment via UnionPay, Alipay or WeChat Pay
  • Preparation of a full package of documents for accounting
  • Personal manager and support 24/7

Important to know

  • The yuan (CNY) exchange rate is fixed at the time of application
  • No hidden fees from banks and payment systems
  • For regular customers - individual conditions with discounts

Who is it suitable for?

Solutions for different types of businesses working with China

SaaS companies

Problem:

You need to pay for cloud services, software licenses, advertising in Baidu, Tencent Ads. Banks refuse or require complex documents.

OZTA solution:

Payment for digital services via Alipay and WeChat Pay. We work with Baidu, Tencent, Alibaba Cloud. A complete package of documents for accounting.

Banks and fintech

Problem:

Partnerships with Chinese payment systems, integration with UnionPay. We need legal translations that fully comply with the requirements.

OZTA solution:

We work with the largest banks in China. We ensure full compliance with AML/KYC requirements. Transparent reporting for regulators.

E-commerce

Problem:

Payment for goods on Taobao, 1688, Tmall. You need access to Chinese payment systems without opening an account in China.

OZTA solution:

Direct payment to marketplaces via Alipay and WeChat Pay. We work with Taobao, 1688, Tmall, JD.com. Without a Chinese account with the client.

Importers of goods

Problem:

Payment of invoices to Chinese suppliers. High bank commissions (3-7%), long transfer times (5-10 days).

OZTA solution:

Commission from 1.2% instead of 3-7%. Transfers in 1-2 days instead of 5-10. We work with the top 5 banks in each region of China.

Why do they trust us?

Experience, licenses and guarantees for secure payments to China

Licenses and Compliance

All necessary licenses for working with international translations. Compliance with AML/KYC and currency control requirements.

Experience with China

More than 5 years of experience working with Chinese suppliers. We know the specifics of local payment systems and banks.

Partnership with banks

We work with the top 5 banks in each region of China. Direct channels for fast and reliable transfers.

Transparency

Fixed yuan exchange rate, transparent commissions, full package of documents. No hidden fees.

Learn more about our compliance procedures: AML/KYC policy · Sanctions policy

Frequently Asked Questions

Answers to popular questions about payments to China

China has a unique financial ecosystem with local payment systems (Alipay, WeChat Pay, UnionPay) that are not always available through regular banks. Many suppliers work only with Chinese systems. There are also features of currency control and document flow. We specialize in working with China and know all the intricacies.
We work with three main systems: 1) UnionPay - for international transfers in RMB, accepted in 180+ countries. 2) Alipay is the largest mobile payment system, convenient for paying on Taobao, 1688, Tmall. 3) WeChat Pay - payments via messenger, popular among suppliers. The choice of system depends on the recipient and the amount of payment. Our manager will advise you on the best option.
Yes, we can pay for goods directly on Chinese marketplaces via Alipay and WeChat Pay. You don't need a Chinese account. Just provide a link to the product or an invoice from the seller, we pay, and you receive a full package of documents for accounting. We work with Taobao, 1688, Tmall, JD.com, Pinduoduo and other platforms.
Transfers take place in Chinese Yuan (CNY). The rate is fixed at the time of submitting the application and agreeing on the terms with the manager. Once fixed, the rate does not change, even if the market rate changes. We use the rate of the Central Bank of China + our margin (usually 0.5-1%), which is 1-2% more profitable than the bank rate. The fixed rate is indicated in the contract.
We work with the top 5 banks in each region of China: national banks (ICBC, CCB, ABC, BOC, BOCOM), Guangdong banks (CMB, Ping An Bank), Shanghai banks (SPDB, Bank of Shanghai), Beijing banks (Beijing Bank, CITIC Bank). This is important because different banks have different transfer processing speeds, different fees, and different availability in different regions. We choose the optimal bank for each specific case.
The standard transfer time to China is 1-2 business days from the moment the funds arrive in our account. It's faster than through a regular bank (5-10 days via SWIFT). For urgent translations, we offer an express service (for an additional fee of 0.5%) - translation within a few hours. You can track your status in your personal account in real time.
You will receive a complete set of documents: 1) Agency agreement for the provision of services for transferring funds to China. 2) Certificate of work performed with details of the operation. 3) Invoice for agent services. 4) Payment order confirming the transfer of funds to the supplier. 5) Certificate of the yuan (CNY) exchange rate on the date of the operation. All documents have legal force and are accepted by the tax authorities.
Yes, we can pay for digital services in China: cloud services (Alibaba Cloud, Tencent Cloud), advertising in Baidu and Tencent Ads, software licenses, subscriptions to services. We work through Alipay and WeChat Pay for fast transfers. We provide a full package of documents for accounting, including invoices from Chinese providers.
The minimum transfer amount is $500 (or the equivalent in RMB). There are no maximum limits - we work with transfers of any size, from several thousand to millions of dollars. For transfers over $100,000 we provide a personal manager and individual conditions. The number of translations is not limited.
Safety is our top priority. We have been operating since 2018 and have completed more than 10,000 transfers to China amounting to over $100 million without a single loss of funds. All client funds are kept in separate accounts in reliable banks. Every operation is insured. The company has all the necessary licenses and is regularly audited. We work only under a contract with a full package of documents.

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