Usually our clients will pay by T/T ( bank transfer) to our designated Citibank account. The transaction fee is charged by your bank and will vary by country, pls check with your local bank for details. It is also why, we suggest our clients transfer enough money to cover all the bank’s ‘service fee’ when using bank transfers. This will ensure that the we can receive your full payment and avoid any monetary loss caused by refunds or disputes. We can also draf contract on Alibaba platform to start business. There is a trade assurance service in Alibaba, if there is any quality or quantity problem, Alibaba will send a third party inspector to check the goods. If it is really have problem, Alibaba will compensate you in advance, then ask for compensation from us. I can draft contract on Alibaba, then Alibaba will send you email to confirm order and arrange payment. It is very safe. This is a link about paying by T/T, https://service.alibaba.com/buyer/faq_detail/14446880.html you can have a look. About e-checking, which transaction fee fixed at $15, it is only available for customers with American bank’s checking account. You need to register an E-checking account, and Alibaba will verify your account. It may need much more time to process. The following is a link about E-checking, you can have a look, https://service.alibaba.com/buyer/faq_detail/14404612.html Credit payment also supported.