Frequently Asked Questions

CargoPay offers three flexible payment methods:

Authorize & Capture gives you control over payment timing:

1. Create Request: Set up payment request with full amount
2. Customer Authorizes: Funds are verified but held (not captured)
3. 7-Day Window: Authorization valid for 7 days
4. You Capture: Capture payment after delivery confirmation
5. Partial Capture: Option to capture partial amount if needed

Deposit & Balance splits payment into two parts:

• Deposit: A percentage you choose (e.g., 30-50%) is captured upfront before transport begins
• Balance: The remaining amount is captured after delivery confirmation
• Off-Session: Balance can be captured without customer being present

Track your payment through these statuses:

• DRAFT: Request being prepared, not yet sent
• PENDING: Sent to customer, awaiting payment
• AUTHORIZED: Funds verified, awaiting your capture
• PARTIALLY_CAPTURED: Deposit captured, balance pending
• CAPTURED: Payment complete, invoice generated

Yes! Automated reminders are sent to customers:

• Pre-Due Reminders: Sent before the due date
• Overdue Notifications: Sent when payment is past due
• Professional Templates: All reminders use professional language
• Automatic Tracking: System tracks reminder status

No more manual follow-up calls or emails.

We accept all major payment methods through Stripe:

• Credit Cards: Visa, Mastercard, American Express
• Debit Cards: All major debit cards with 3D Secure
• Digital Wallets: Apple Pay, Google Pay

All payments are processed securely with PCI DSS Level 1 compliance.

CargoPay supports multiple European currencies:

• Euro (EUR): Primary currency for EU transactions
• Pound Sterling (GBP): For UK transactions
• Swiss Franc (CHF): For Swiss market

Payment processing times:

• Card Payments: 2-4 hours for authorization, 24-48 hours for settlement
• Digital Wallets: Instant authorization, 24-48 hours for settlement

CargoPay uses multi-layer fraud detection:

• Stripe Radar: Real-time risk assessment with machine learning
• Device Fingerprinting: Unique device identification and tracking
• Behavioral Analytics: Transaction patterns and activity monitoring
• Rate Limiting: Per-action limits to prevent abuse

Every transaction receives a risk score (0-100) with automatic risk level categorization.

Yes! We use enterprise-grade security:

• PCI DSS Level 1: Highest payment security standard
• Stripe Connect: Secure multi-tenant B2B payment processing
• No Stored Cards: Sensitive payment data handled by Stripe only
• CSRF Protection: All forms protected against cross-site attacks

CargoPay automatically validates EU VAT numbers:

• VIES Integration: Real-time EU VAT number verification
• B2B Transactions: All business transactions validated
• Cross-Border: Proper tax treatment for 27 EU countries

Reverse-charge is handled automatically for B2B cross-border transactions:

• EU Directive 2006/112/EC: Full compliance
• Cross-Border B2B: VAT reverse-charge applied automatically
• Invoice Notation: Proper reverse-charge notation on invoices

Yes! B2B-compliant invoices are created automatically:

• From Captured Payments: Invoice generated when payment is captured
• B2B Compliant: All required details included
• VAT Details: Proper VAT information and notations
• PDF Download: Download invoices from your dashboard

Yes, CargoPay is fully GDPR compliant:

• Organization-Scoped Access: Data access limited to your organization
• Audit Trails: 1000-entry comprehensive logs
• Data Protection: European data protection standards

Verified businesses have passed comprehensive checks:

• KYC Verification: Identity verification for key personnel
• Address Validation: Google Places address verification
• Document Verification: Company documents validated
• Reputation Scoring: Trust indicators for safe business

Yes, verification is required before you can use CargoPay features:

• Identity Verification: KYC verification for key personnel
• Business Documents: Company registration and legal documents
• Address Validation: Google Places address verification
• VAT Validation: VIES verification for EU companies