Documents against Payment指的是付款交单,属经济贸易交易中付款方式的一种。指出口方在委托银行收款时,指示银行只有在付款人(进口方)付清货款时,才能向其交出货运单据,即交单以付款为条件,称为付款交单。An arrangement under which an exporter instructs the presenting bank to hand over shipping and title documents (see document of title) to the importer only if the importer fully pays the accompanying bill of exchange or draft. Also called cash against documents. (Business Dictionary)
按付款时间的不同,又可分为即期付款交单和远期付款交单。
即期付款交单(Documents against Payment at sight,简称 D/P at sight),出口方按合同规定日期发货后,开具即期汇票(或不开汇票)连同全套货运单据,委托银行向进口方提示,进口方见票(和单据)后立即付款。银行在其付清货款后交出货运单据。
远期付款交单(Documents against Payment after sight,简称 D/P after sight),出口方按合同规定日期发货后,开具远期汇票连同全套货运单据,委托银行向进口人提示,进口方审单无误后在汇票上承兑,于汇票到期日付清货款,然后从银行处取得货运单据。
付款交单常与承兑交单(documents against acceptance)混淆,两者同属跟单托收(documentary collection)方式下的交付单据的办法,但不同之处在于付款交单下,付款人见票应立即付款,而承兑交单下,收款方可接受付款方于某一约定的日期付款。一般而言,前者的使用更为广泛,因为可降低卖方承受的风险。
以下为相关示例:
We have drawn on you for this amount at sight through the Bank of Nigeria, who have been instructed to hand over documents against payment of the draft.
我们希望你见票后,通过尼日利亚银行开出这金额,该行已经被指示付款交单。
Our terms are payment at 60 days, documents against acceptance.
我们的条件是60天付款,承兑交单。