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What’s the difference between letter of credit and collection?

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When doing business with new customers, what kind of method of paymentshould the exporters adopt? Why?

目前,电汇已被广泛接受并成为在国际贸易中经常被使用到的一种支付方式。(汉译英)

很抱歉我这次不准备那么做。(汉译英)

I hope our proposed payment terms are acceptable.(英译汉)