In order to avoid bad debt, while stimulate downstream retailers to order batches, upstream suppliers require retailers to adopt ACC payment patterns(advance, cash and credit). According to customers’ funding situations, we divide the customers into the following two categories: One type of customers who have sufficient funds are able to pay part of the payment in advance and obtain a price discount, and the rest payment will be credited, this type of customers enjoy not only the price discount but also the credit payment strategy; the other type of customers who have insufficient funds will take part of the payment of cash on delivery, the remained payment by credit payment, so this type of customers only enjoy the credit payment strategy. On that basis, a two-tier credit payment supply chain inventory model which consists of one supplier, one retailer and two types of customers with different preferences is established to prove the existence and uniqueness of the optimal solution. Numerical examples are used to analyze the sensitivity of the key parameters. The research shows that retailers can increase the sales price, strive for greater price discount, shorten the time period for retailers to pay for goods in advance, and reduce the proportion of payment in advance to achieve a lower annual average cost.