1. Do the core names match?
If the legal entity, contract party, PI issuer and beneficiary align, confirm the account through the expected channel and retain the record.
A mismatch is a payment hold, not an automatic fraud verdict. Before wiring money, compare the supplier name, PI issuer, company stamp, business license, bank beneficiary, bank country, and the documents connecting any different entity.
A mismatch is not always fraud, but it is always something to explain before the deposit leaves your account.
The company issuing the PI should match the supplier or have a documented relationship with the supplier.
The exact wire payee should be checked against the supplier legal name, not only the English sales name.
Ask for a business license, authorization letter, signed PI, and written explanation of any third-party payee.
The next step is not to argue about whether the supplier is honest. The next step is to document who receives the money, which legal entity is responsible for the order, and whether the PI and bank account create enforceable payment evidence.
For PI issuer, bank payee, and beneficiary mismatch risk.
PI CheckerFor proforma invoice, stamp, payment term, and payee review.
Factory vs Trader CheckerFor manufacturer claims, business scope, address, and catalog checks.
Sample ReportSee how findings become a payment decision.
If the legal entity, contract party, PI issuer and beneficiary align, confirm the account through the expected channel and retain the record.
If yes, collect both entities’ records, relationship evidence and collection authority. If no, hold payment.
Independently confirm through a previously known contact and authenticated platform account. Do not use the changed message as its own confirmation.
Use a corrected PI, written authority, contracting-party confirmation and an approved payment route. Escalate material legal or bank questions.
Copy the template, replace the generic wording with the transaction references you already have, and send it through a known supplier channel. Do not include sensitive payment data in analytics or public notes.
Please provide the following before we release payment: 1. Current business licence and full Chinese legal company name 2. Written explanation of the PI issuer and its relationship to the supplier 3. Written explanation of the bank beneficiary and its relationship to the contracting party 4. Signed collection or payment authorization letter 5. Confirmation of the company responsible for the contract and product obligations 6. A revised PI if any company name or payment instruction is incorrect 7. Confirmation of any bank-account change through our previously known contact channel
An offshore or related-company beneficiary is not automatically a scam. The buyer needs a coherent document trail before paying.
A documented export company collects for the operating supplier.
A group treasury company or shared collection company is named consistently in the PI and contract.
A Hong Kong sales affiliate signs or collects under a documented group or commercial relationship.
An authorized collection company or payment agent has a clear appointment and payment instruction.
An assignment is documented and accepted by the relevant contracting parties.
The beneficiary changes at the last minute or after the first account is questioned.
A personal, offshore, or unrelated company account is presented without documents connecting it to the supplier.
The supplier, PI issuer, chop name, and beneficiary all differ, while the salesperson pressures the buyer to pay quickly.
The supplier refuses to provide relationship documents or the PI issuer changes repeatedly.
The email domain or communication channel changed with the bank instruction.
Compare the supplier display name, Chinese legal name, PI issuer, chop name, bank beneficiary, bank country, and SWIFT details.
Request a plain-language explanation and the registration details of the collecting company.
Ask for a signed authorization and a PI or contract that clearly names the responsible company and payment path.
If the story remains inconsistent, request a corrected payment package, use a protected payment method where appropriate, or obtain professional review.
This guide can help identify a mismatch and the evidence to request. It cannot confirm bank ownership, guarantee payment recovery, or replace legal advice, escrow terms, or bank confirmation.