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Purpose – This study investigates how relationship factors impact the likelihood of selecting among distinct international trade payment methods for SMEs. Recognizing the strategic importance of payment choices in trade efficiency, this paper examines decision-making dynamics, specifically focusing on how relationship length and orientation shape payment preferences. Design/Methodology – Through multinomial logistic regression, we analyze survey data from Korean SMEs, specifically examining SME choices among advance remittance, deferred remittance, and mixed payments. Relationship length is treated as a categorical variable (less than 5 years, 5–9 years, 10–19 years, 20 years or more), and relationship orientation is a continuous variable. Findings – The findings indicate that SMEs adapt payment preferences according to relationship duration and orientation. Notably, longer relationships increase the preference for advance remittance, particularly in partnerships of 5–19 years, whereas deferred remittance is markedly less preferred. These insights provide an alternative view to existing studies, suggesting a stable preference for deferred payments. Originality/value – By adopting a demand-oriented approach to trade payment selection, this paper diverges from conventional supply-side analyses. The focus on SME payment adaptability within trade relationships offers a refined understanding of the role of relationship dynamics in international trade. The findings have implications for SME strategic planning and risk management in global markets.