Pay Chinese suppliers from Canada, and know the total first
A wire leaves your Canadian bank and you find out what arrived when the supplier tells you.
Indicative reference rate, updated . Your payable amount is confirmed against your invoice before you fund.
Pay a supplier invoice in CNY
Enter the invoice in yuan and choose how you would fund it.
You send about
1,490.82 USDT
≈ $2,059.88
1 USDT ≈ ¥6.71
From here this is a supplier payment rather than a remittance. The invoice stays fixed in yuan, the destination is the company account your supplier banks with inside China, and the money comes out of a USDT or USDC balance in your Unigox Wallet. What an importer gets back is the pair of numbers that actually decide anything: the yuan landing on the supplier's account, and the amount leaving yours, both visible before either is committed.
- Supplier amount fixed in CNY
- Mainland business accounts only
- Invoice reference kept with the payment
The invoice stays in yuan while the funding changes shape
Enter the supplier's exact CNY total once. The amount you are asked to produce is denominated in the token you already hold, and the supplier never has to know it was involved.
- Supplier receives
- The CNY on the invoice
- You produce
- USDT · USDC
- Your file keeps
- Recipient + reference
CAD
Priced in CAD, funded from USDT or USDC
USDT
Native Unigox Wallet
USDC
Native Unigox Wallet
Recipient gets
ChinaCNY
The exact yuan stated on the invoice, paid to the recipient in China.
How does a Canadian business pay a supplier in China?
By paying the account the invoice is owed to, with the total visible before anything is committed to. That account is the company's own, at a bank inside China: you enter the yuan total from the invoice, say what the payment is for, and settle it out of a stablecoin balance you already hold. The recipient is checked first, so a destination this route cannot pay is turned back while it is still a form rather than a transaction.
Customs, duty, GST and your own record-keeping obligations stay with you and are unaffected by how a supplier is paid. A payment product does not stand in for import documentation, or for advice about it.
Check the invoice before you check the rate
What goes wrong on this corridor is commercial far more often than it is technical. Four things worth confirming while the payment is still a decision rather than an event.
- 01
The account belongs to the invoice
The account holder should be the company that issued the invoice. If it is not, stop and ask why. An individual's account cannot be paid here whatever reason arrives with the request, and a third company needs a reason you have written down on your own file.
- 02
The amount matches the document
Deposit, balance or the whole total — take the figure from the proforma rather than from a message thread, and keep the invoice number that identifies which one it was.
- 03
Your terms are on paper elsewhere
The payment does not carry your contract. Production time, inspection, tooling and shipping terms live in the agreement you signed, and a payment record is not a substitute for one.
- 04
The first order is a small one
This payout route is weeks old. It is built and tested end to end, and it has not run long enough to be routine, so a first payment should be one you could afford to have go slowly.
Unigox checks the payout recipient so that the payment can be made. What ships, what quality it turns out to be and whether it arrives at all are questions your contract has to answer, not this one.
What a wire keeps to itself, and what this route states
- Step 01
The amount that arrives
On a correspondent chain a deduction is discovered when the supplier reports the shortfall. Here the CNY figure on the screen is the figure the supplier receives.
- Step 02
The time it takes
A wire has a cut-off you either make or miss, and days you cannot see into. This route reports where the payment is from the same screen you started it on.
- Step 03
Where the money starts
A wire starts from a chequing balance. This starts from a USDT or USDC balance, which is an advantage only if that is where your liquidity already sits.
From recipient details to a tracked CNY payment
- 01
Add the recipient
Choose the supported China destination and enter the recipient details exactly as provided.
- 02
Enter the CNY invoice
Add the amount, purpose, relationship and optional invoice reference before pricing.
- 03
Choose how to fund
Select USDT or USDC from your native Unigox Wallet.
- 04
Review and follow the payment
Confirm the exact source and destination amounts, then follow the status from the same flow.
Pay from where your money already is
Unigox Wallet
Choose USDT or USDC
- Choose USDT or USDC
- Review the required wallet amount
- The recipient still receives CNY
Stablecoin rates and top-ups
Legs and days, which is the comparison that survives contact
Most Canadian businesses reading this can already send an international wire and have a rough idea what it costs. Fee against fee is the wrong comparison anyway, because the fee is the part of a wire you can see. The parts you cannot are the correspondent banks between your branch and the supplier's, each entitled to take something, and the day the payment lands, which you tend to learn from the supplier rather than from your bank.
Counting legs is more honest. If your money is already in a stablecoin, wiring it means selling on an exchange, withdrawing to a bank and then sending — three legs, each with its own timing and its own cost. On this route the balance you hold is the thing that funds the invoice directly, and the supplier's company account is credited in CNY.
Which of the two wins depends on your amount, your bank, and where your liquidity currently sits. That is a question about your balance sheet, and this page is not looking at it — so what it offers is the inputs rather than a verdict.
Five facts your supplier owns, and two answers you do not want
The yuan leg travels over CNAPS, China's domestic clearing system, and what it can credit is a company's own account inside the mainland banking system. None of the fields below are ours to relax — they are what the receiving institution asks to see — which is why a missing one is a message to your supplier rather than a form to fill in more creatively.
Two answers regularly come back from an exporter and neither works here. The first is a person's account, usually a director or a sales manager, offered as though it were an administrative shortcut. The second is Hong Kong, which many exporters volunteer the moment they hear the buyer is overseas — a different banking system, and a payment this route does not make. Get both settled while you are still discussing terms and neither costs you anything.
- Which bank, and the account number the company holds there.
- Their registered name in Latin letters, as their bank prints it — often not the name on the pro forma.
- The same name written out in Chinese characters.
- A mobile number on the mainland, belonging to the company rather than to a contact.
- Each time you pay: goods or services, and whether the payee is your supplier or a service provider.
An order paid in two goes through as two payments
Canadian buyers negotiating a first order usually land on split terms — something down to start production, the rest against shipping documents or an inspection report. Each half is its own payment here, priced when you make it against the liquidity available at that moment. Nothing about the deposit binds the balance six weeks later, which is worth knowing when you are the one holding the margin between them.
Limits work the same way, per payment rather than per order. There is a floor and there is a ceiling, both read at the moment you ask rather than published in advance, and an amount outside them is turned back while it is still a form rather than a transaction. That ordering is the useful part: you learn a deposit is oversized before you have emailed a factory to say production can begin. Cutting one payment into pieces to get under a ceiling is a different exercise and not one to attempt.
By the second order the work is done. The supplier is saved and cleared, so a new invoice is a new number, a new declaration and a new reference against a destination that has already been through the checks — and editing that supplier puts them through again, which is precisely what you want on the day an account number changes.
Built for the way Canada pays China
Two things shape this flow: China is a major sourcing corridor for Canada, and the invoice at the end of it is written in yuan and paid into a mainland company account.
Questions from Canadian importers paying a factory
01Can I pay with a Canadian dollar transfer instead?
Not on this route. There is no CAD collection leg, so funding is USDT or USDC from your Unigox Wallet. If the money is sitting in a chequing account, an international wire from your own bank is the alternative — a different route with different arithmetic, and not this one.
02The seller wants payment to a Hong Kong account. Is that possible?
Not here. This route settles CNY into a business account on the Chinese mainland. Hong Kong is a separate banking system and a separate payment; if that is genuinely where the company banks, you need a route built for it rather than a workaround on this one.
03How long before the supplier has the money?
No arrival time is promised on this page, and you should be wary of one that is. The last stretch belongs to the receiving bank's own review and nobody upstream of it controls the clock. What you get instead is the status in the same place you started the payment, rather than a phone call to a branch and a shrug.
04What happens if my invoice is over the ceiling?
It is turned back before a payment exists at all, with the band that applied shown to you at the time and nothing spent. Instalments that follow real trade terms are separate payments; carving one payment into pieces to duck a limit is not a workaround this route supports.
05Do I still need my own import paperwork?
Yes. Customs, duty and GST obligations are yours and do not change because of how the supplier was paid. What the payment adds to the file is a clean record: the invoice reference, the CNY received, and the amount you funded.
Move the invoice, not a rounded budget
Open the payment flow, add the recipient and compare USDT, USDC before funding.
Pay a supplier invoiceRelated China guides
Built primarily for businesses
Built for importers and repeat supplier payers. A private individual paying a business invoice runs the same checks and gets the same quote — the recipient on this route is always a company.