Immediate Payment

Maximum-security freight settlement. Full payment cleared before wheels roll. Zero receivables exposure from the moment you commit fleet capacity to the lane.

Zero-Exposure Settlement

Settlement First. Dispatch Second.

Immediate Payment means the freight charge is settled in full before the consignment enters your fleet.

In an industry where standard payment terms stretch from 30 to 60 days post-POD — and chronic late payment remains endemic across European road freight — Immediate Payment represents a structural shift in how carriers manage receivables risk and protect fleet cash flow.

The Reality of European Freight Fraud

Organised criminal networks now deploy AI-generated credentials, forged CMRs, and synthetic identities to impersonate legitimate carriers. Immediate Payment provides a financial control layer that operates independently of trust-based verification.

When to Deploy Immediate Payment

Select this workflow when lane exposure exceeds your acceptable receivables threshold.

First-Time Lane Partners

No established payment history with the forwarder. Financial protection must be engineered into the lane from day one, not assumed.

High-Value Consignments

When lane revenue exceeds your comfortable receivables threshold, prepayment is the commercially defensible choice.

Elevated-Risk Corridors

Certain lanes and jurisdictions present heightened fraud or non-payment exposure. Immediate Payment neutralises that risk at source.

Cross-Border Counterparties

International transactions introduce jurisdictional complexity. Immediate Payment removes payment uncertainty from the commercial equation.

How Immediate Payment Executes

Five steps from request creation to lane dispatch with zero receivables exposure.

Create the freight payment request

Link to the specific consignment and select Immediate Payment. Include lane details, freight rate, and both parties' billing information.
Dispatch the request to the forwarder

Secure, documented delivery to the authorised billing contact — creating an auditable transaction record from inception.
Forwarder settles the full freight charge

Via corporate card, digital wallet, or BNPL provider such as Klarna. You receive cleared funds before committing fleet assets to the lane.
Settlement confirmed, lane authorised

Payment confirmation received within minutes. The transaction is fully documented and auditable by both carrier and forwarder.
Lane proceeds with zero exposure

The consignment moves with complete financial certainty. You dispatch knowing the receivable is already settled.

Accepted Settlement Methods

The forwarder selects their preferred payment instrument. You receive cleared freight revenue.

Corporate Credit & Debit Cards

Visa, Mastercard, American Express. Universally accepted, instantly authorised for freight settlement.

Digital Wallets

Apple Pay, Google Pay, and supported enterprise digital wallet solutions for rapid freight settlement.

Buy Now Pay Later

Klarna and enterprise BNPL providers. Increases forwarder payment conversion without increasing your receivables risk.

Live Scenario

First-Time Cross-Border Lane: €15,000+ Freight Rate

A Polish FTL carrier accepts a consignment from a German freight broker operating on the DACH–CEE corridor for the first time. Lane revenue exceeds €15,000.

Rather than exposing the carrier to 30–60 day receivables risk on an unproven counterparty, the carrier structures full prepayment through CargoPay's Immediate Payment workflow.

The broker settles via corporate card. The carrier receives cleared-funds confirmation within minutes — before the truck is dispatched from the depot.

Outcome: The lane proceeds with zero receivables exposure. The carrier's cash flow is protected from dispatch.

Eliminate Receivables Risk from Your Lane Portfolio

Register your fleet, complete KYC verification, and start settling every lane in full before dispatch — regardless of counterparty or corridor.