1. Payment Methods
| Method | Best for | Settlement |
|---|
| Credit Card (3D Secure 2) | US/EU/Global | 2-7 days |
| T/T (Wire Transfer) | Larger orders | 1-3 days |
| L/C | Orders ≥ USD 50K | 5-10 days |
| Alipay/WeChat Pay | China customers | 1-3 days |
2. Payment Terms
New customers: 30% deposit + 70% before shipment
Repeat customers (3+ orders): 20% + 80%, or Net 30 days
Large orders ≥ USD 50K: L/C at sight or Bank Guarantee
3. Currencies
- USD (default international)
- THB (Thai customers)
- CNY (Alipay/WeChat)
- JPY (case by case)
- EUR (case by case)
4. Bank Details
Bank account information sent via Proforma Invoice only. Do not transfer based on info from other sources (avoid phishing).
5. Tax Invoice
- Issued under buyer's company name and address
- VAT 0% for export (Thai law)
- Sent via email within 7 days of payment
6. AML / KYC
- Orders > THB 2M may require additional KYC
- High-risk jurisdictions may require enhanced due diligence
- We reserve the right to refuse suspicious payments
7. Late Payment
- 1.5%/month penalty (or per agreement)
- Hold next orders if late > 30 days
- Collection action if > 90 days
8. Bank Fees
Buyer covers fees on their side (use OUR or SHA in wire transfers).
9. Security
- Card data processed by certified Payment Gateway (PCI-DSS Level 1) — Kobka does not store card details
- HTTPS encryption
- PCI DSS compliance via Payment Gateway providers
