Turn every lane into
predictable revenue
Europe's road freight market moves over €750 billion annually, yet nearly half of all B2B freight payments arrive late. CargoPay introduces structured payment workflows that put carriers in control of settlement terms – before a single wheel turns.
Trusted infrastructure
Freight payments are broken – and it's costing you margin
Carriers and brokers across Europe operate in an environment where moving freight without secured payment is accepted as standard practice. Invoices go out after delivery, and payment terms routinely stretch beyond 60 days with no compensation for working capital strain.
Criminal networks now exploit AI-generated credentials, forged documents, and deepfake identities to impersonate legitimate carriers. Globally, 76% of cargo thefts involve trucks, and fake-carrier fraud has become a systemic threat on European freight exchanges.
60+
days average payment delay47%
of B2B payments arrive late76%
of cargo thefts involve trucks€750B
EU road freight market valueCargoPay brings settlement certainty where there was none
Instead of sending invoices after the fact, you create payment requests tied directly to each shipment. Every request defines who pays, when settlement occurs, and under what conditions funds are released.
Who pays
Define the payer explicitly – shipper, consignee, or broker. No ambiguity, no disputes about counterparty responsibility.
When they pay
Immediate settlement, authorization hold, or staged deposits. You control the timeline, not your customer's AP department.
Under what conditions
Payment terms are documented, verifiable, and enforceable. You operate on clear, agreed terms – not on hope.
From payment request to shipment execution
A controlled, verifiable workflow that removes counterparty risk from every transaction.
Register & verify
Your company undergoes full verification – registration documents, operational credentials, and insurance. Only legitimate businesses enter the network.
Create a payment request
Link the request to a specific shipment: shipper, consignee, origin, destination, amount, and the settlement workflow you choose.
Send securely by email
The request is delivered by email only – a verifiable, professional channel that leaves a documented audit trail of every communication.
Customer pays
Cards, digital wallets, or Buy Now, Pay Later options. More flexibility for your customer means faster settlement for you.
Shipment proceeds
Only after payment conditions are satisfied does the shipment begin. Financial risk is eliminated before you put a single asset on the road.
Get paid first → then dispatch
Choose the right settlement workflow for every lane
Not every shipment carries the same counterparty risk. CargoPay offers three structured workflows designed for real operational scenarios.
Immediate payment
Maximum security
Full payment is settled before the shipment starts. Zero financial uncertainty.
- New or unknown counterparties
- High-value freight
- High‑risk routes or markets
Authorization payment
Security with flexibility
Funds are held at authorization and charged only after delivery is confirmed.
- Established relationships
- Moderate-value shipments
- A balanced approach to risk
Deposit & balance
Staged payment control
A deposit upfront to fund operations; the balance is paid on delivery.
- Long-distance hauls
- Complex multi‑leg routes
- Working capital needs
CargoPay by the numbers
Real impact across the European freight market.
1%
per transaction, all-in, no hidden fees
27
EU member states supported
0
hidden fees, subscriptions, or minimums
24h
faster settlement than traditional invoicing
Receive payments from anywhere in the world
CargoPay lets you get paid by companies anywhere on the planet. As long as your customer has access to accepted payment methods – cards or digital wallets – they can complete a payment request, no matter where they are.
That means no more geographic barriers. You can operate truly cross‑border without juggling multiple national banking systems or SWIFT delays.
- Credit & debit cards (Visa, Mastercard, Amex)
- Digital wallets
- Buy Now, Pay Later (Klarna and others)
- No geographic restrictions
Start operating with settlement certainty, not uncertainty
Register your company and access a verified logistics payment network. One registration, one fee, unlimited payment certainty.
I'm a carrier
Stop financing your customers' cash flow. Get paid before the shipment starts and eliminate the 30–60 day wait for money.
- Guaranteed payment before loading
- Access to verified EU broker network
- Expand into new lanes safely
I'm a broker
Stand out by offering structured payments. Secure capacity faster from carriers who can trust you'll settle reliably.
- Access to verified EU carrier network
- Signal payment reliability
- Reduce your fraud exposure
Simple, transparent pricing:
Built on verification, secured by structure
At CargoPay, security isn't an add‑on. It's the foundation of everything we do.
Company verification
Every participant is verified before accessing the network – registration documents, credentials, and insurance.
Email‑only requests
Payment requests are sent only via secure email – a verifiable, fraud‑resistant channel.
Stripe infrastructure
All payments run through Stripe's certified, PCI‑compliant infrastructure. Your data never touches CargoPay servers.
Transaction monitoring
Behavioral analytics and velocity checks catch unusual patterns before they turn into fraud.