CargoPay

Intelligent Freight Settlement for the European Supply Chain

Structured Payment Requests

Create, dispatch, and track settlement workflows

Multi-Layer Fraud Protection

Stripe Radar + behavioral analytics + device fingerprinting

EU VAT Directive Compliant

Automated VIES validation & reverse-charge handling

What is CargoPay?

The professional freight settlement platform engineered for the European logistics industry

Intelligent Payment Orchestration

Transform your freight settlement cycle from a 60-day receivables nightmare into a 24-48 hour settlement workflow

Core Capabilities:

  • Structured Payment Requests: Build settlement workflows tied to specific shipments—origin, destination, CMR reference, and agreed terms
  • Secure Payment Dispatch: Deliver payment links via verifiable email channels with full audit trail
  • Real-Time Settlement Tracking: Monitor every status transition from DRAFT through AUTHORISED to CAPTURED
  • Authorisation Expiry Management: CLI-driven reminder system for pending authorisations approaching expiry
  • B2B Invoice Generation: EU-compliant invoices auto-generated from captured charges with proper VAT treatment
Settlement Velocity: Compress your cash conversion cycle from 60+ days to 24-48 hours after delivery confirmation

Payment Request State Machine

Every status transition is validated, logged, and auditable

DRAFT PENDING AUTHORISED CAPTURED

Structured Settlement Workflows

Select the payment workflow that aligns with your lane risk profile and commercial relationship

Immediate Settlement

Full payment captured before the shipment commences—zero financial uncertainty

  • Funds settled instantly upon payment
  • Optimal for new or unknown counterparties
  • 24-48 hour settlement to your Stripe account
  • Eliminates all post-delivery collection risk
Maximum security—ideal for high-value or cross-border lanes

Authorise & Capture

Funds reserved at authorisation, captured only after proof of delivery

  • 7-day authorisation window
  • Card funds verified and held by Stripe
  • Manual capture control after delivery confirmation
  • Partial capture support for multi-stop shipments
Balance of security and operational flexibility

Deposit & Balance

Staged settlement: deposit upfront to fund operations, balance on delivery

  • Configurable deposit percentage
  • Deposit captured immediately upon authorisation
  • Balance captured after proof of delivery
  • Off-session balance capture via Stripe
Optimal for long-haul and complex multi-leg routes

7-Day Authorisation Window

Extended payment protection engineered for European freight delivery cycles

Why 7 Days?

European road freight shipments typically require 3-14 days for transit, customs clearance, and delivery confirmation. Our extended authorisation window ensures:

  • Funds Reserved: Payment is authorised and held by Stripe—not captured until you confirm delivery
  • Delivery Confirmation: Capture only after CMR signature and proof of delivery verification
  • Inspection Period: Adequate time for cargo inspection and damage assessment before funds release
  • Partial Capture: Release funds incrementally for multi-stop or cross-dock shipments
Logistics-Optimised: Standard payment processors offer 7-day authorization. CargoPay extends this to 7 days specifically calibrated for European road freight transit times.

Settlement Timeline

1

Day 0

Payment request created and dispatched to counterparty

2

Day 1-3

Counterparty authorises payment—funds reserved by Stripe

3

Day 3-14

Shipment in transit—funds securely held, authorisation active

4

Day 14-21

Delivery confirmation, CMR signature, and cargo inspection

5

Day 21-28

Payment captured and settled to your Stripe account

Enterprise-Grade Fraud Prevention

Multi-layer risk detection protects every freight settlement transaction

Stripe Radar Integration

  • Real-time risk scoring on every transaction (0-100 scale)
  • Machine learning models trained on global payment patterns
  • Automatic risk level categorisation (low, medium, high, critical)
  • Custom rules engine for lane-specific risk thresholds
AI-powered fraud detection across 135+ currencies

Device Fingerprinting

  • Unique device identification across payment sessions
  • Cross-session behavioural tracking
  • Suspicious device pattern detection and flagging
  • Geolocation correlation with declared shipment routes
Device-level security at the payment gateway

Behavioural Analytics

  • Transaction velocity monitoring per counterparty
  • Amount pattern analysis against historical lane data
  • Engagement scoring based on payment interaction patterns
  • Anomaly detection for unusual settlement behavior
Continuous behavior monitoring across the network

Rate Limiting & Throttling

  • Per-action type rate limits (create, authorize, capture, refund)
  • User-type specific thresholds (carrier, shipper, broker)
  • Suspicious activity auto-blocking with escalation alerts
  • Reputation-based threshold adjustments
Proactive abuse prevention at the platform level

EU Regulatory Compliance Built-In

CargoPay automates European tax and regulatory requirements for cross-border freight

VIES VAT Validation

Real-time EU VAT number verification via VIES SOAP API for all B2B cross-border transactions

Reverse-Charge Mechanism

B2B intra-EU cross-border transactions handled per EU Directive 2006/112/EC—VAT liability shifts to the recipient

GDPR-Compliant Data Handling

Organisation-scoped data access with comprehensive audit trails—1,000-entry immutable logs per payment request

B2B Invoice Generation

EU-compliant invoices auto-generated from captured charges with correct VAT treatment per transaction type

27 EU Member States

Full regulatory coverage for European cross-border freight operations

Germany France Italy Spain Poland Netherlands Belgium Romania +19 more

Automated EU Tax Treatment

CargoPay detects and applies the correct VAT treatment for every cross-border freight scenario

Domestic Transport

Freight movement within a single EU member state

VAT Treatment:

  • Standard domestic VAT rate of the origin country applies
  • Carrier invoices issued with local VAT included
  • Automatic VAT calculation based on origin/destination routing
Example: Madrid→Barcelona (ES→ES): 21% Spanish VAT applied

Intra-EU Cross-Border

Freight movement between two EU member states

VAT Treatment:

  • Reverse-charge mechanism applies automatically
  • VAT-exempt invoice with valid VIES confirmation
  • Recipient accounts for VAT via domestic return in their jurisdiction
Example: Madrid→Berlin (ES→DE): 0% VAT (reverse-charge, VIES-validated)

Export Transport

Freight movement from EU to non-EU destination

VAT Treatment:

  • VAT-exempt as export of services outside EU scope
  • Customs export documentation support
  • Proof of export tracking for audit compliance
Example: Valencia→London (ES→GB): 0% VAT (export exemption)

Import Transport

Freight movement from non-EU origin to EU destination

VAT Treatment:

  • VAT due at point of import—handled by customs authority
  • Customs integration support for import declarations
  • Import VAT recovery guidance for eligible businesses
Example: London→Valencia (GB→ES): Import VAT due at Spanish customs

Automatic Tax Detection Engine

CargoPay automatically determines the correct VAT treatment by analysing:

Origin Country Destination Country VAT Registration Numbers VIES Validation Status Service Classification

Verified Business Network

Transact with confidence—every participant is verified before network access

KYC Verification

Identity verification for all network participants

Address Validation

Google Places API verification of registered addresses

Document Verification

Company registration and CMR insurance validated

Reputation Scoring

Trust indicators and performance metrics for safe transacting

Engineered on Enterprise Infrastructure

Production-grade technology stack for reliable freight settlement processing

Stripe Connect

Multi-tenant B2B payment architecture

PCI DSS Level 1

Highest payment card security standard

Immutable Audit Trails

1,000-entry comprehensive transaction logs

Real-Time Notifications

Email + Slack alerts for critical events

Ready to Transform Your Freight Settlement Cycle?

Join carriers and shippers using CargoPay for structured, secure, and compliant payment workflows

Register as Carrier Register as Shipper

€300 one-time registration · 1% per transaction · 24-48h settlement processing