Can I split an order across two payment methods?

Not in a single transaction. You can pay a deposit by card and the balance by wire by negotiating split terms with the supplier in the quote. The system records both payments against the same order.

Are there any currency conversion fees?

Yes if your card or bank is in a different currency than the order. AdeptLink uses the mid-market rate plus a 0.6% spread for conversion at checkout. You can avoid this by paying in the order's billing currency from a matching account.

How do I qualify for Trade Credit?

Complete 3 orders with a total value of $25,000 or more. Apply at /buyer/trade-credit; approval typically takes 5 business days and includes a soft credit check via Dun & Bradstreet. Approved limits start at $50,000 and scale with order history.

Payment methods supported by AdeptLink

AdeptLink Trust ServicesUpdated April 12, 20264 min read

Quick answer

AdeptLink supports four payment methods: credit card (2.9% fee, instant), wire transfer (free, T+1), milestone-protected payment (1.5% fee), and Trade Credit Net-30/60/90 (free, available after 3 completed orders). For first-time orders with a new supplier, AdeptLink recommends milestone-protected payment; for repeat orders with trusted suppliers, wire or Trade Credit is most cost-effective.

Key facts

Cards: 2.9% fee, settlement instant; supported worldwide except OFAC-listed countries.
Wire: free, T+1 settlement, supports USD, EUR, GBP, SGD, CNY, JPY.
Trade Credit: 0% fee, Net-30/60/90, requires 3 completed orders.

Which method should I choose?

First order with a new supplier → milestone-protected payment (protection > saving 1.5%). Repeat order, supplier you know → wire transfer (cheapest). Cash-flow constrained → Trade Credit (Net-30/60/90 at 0% fee). Small under-$5K order → credit card (instant, no risk).

How fast does each method settle?

Card payments are captured instantly and the order moves to PAYMENTCONFIRMED within seconds. Wires settle T+1 (next business day) in major currencies, T+2-3 for emerging markets. Milestone-protected payments confirm instantly; a stage releases to the supplier T+1 after its release trigger fires. Trade Credit moves the order to PAYMENTCONFIRMED immediately and bills you at end of period.

Frequently asked questions

Can I split an order across two payment methods?: Not in a single transaction. You can pay a deposit by card and the balance by wire by negotiating split terms with the supplier in the quote. The system records both payments against the same order.
Are there any currency conversion fees?: Yes if your card or bank is in a different currency than the order. AdeptLink uses the mid-market rate plus a 0.6% spread for conversion at checkout. You can avoid this by paying in the order's billing currency from a matching account.
How do I qualify for Trade Credit?: Complete 3 orders with a total value of $25,000 or more. Apply at /buyer/trade-credit; approval typically takes 5 business days and includes a soft credit check via Dun & Bradstreet. Approved limits start at $50,000 and scale with order history.

Related guides in Payments & Milestones

How milestone-protected payments protect B2B orders

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