Three Workflows. Three Risk Profiles.
CargoPay offers three structured payment workflows designed to match real operational scenarios. Each workflow addresses a specific risk profile and operational context.
Your selection should be guided by your relationship with the customer, the value of the shipment, the level of risk you are willing to accept, and the operational complexity involved.
Compare the Three Workflows
Each workflow is built around a specific risk scenario. Choose accordingly.
Immediate Payment
Full payment completed before the shipment begins. Funds transferred and settled prior to loading.
Best For
- New or unverified customers
- High-value shipments (>β¬10,000)
- High-risk markets or routes
- International counterparties
Authorization Payment
Funds authorized and held at start; charged only upon delivery confirmation.
Best For
- Established relationships
- Moderate-value freight
- Controlled trust scenarios
- Regular, high-frequency partner
Deposit & Balance
A deposit paid upfront; the balance settled at agreed milestones or completion.
Best For
- Long-distance or multi-leg hauls
- Operations with high upfront costs
- New relationships requiring staged trust
- Working capital management
How to Choose the Right Workflow
Use these four criteria to select the appropriate workflow for each transaction.
Your Relationship
New trading partners warrant more conservative payment structures. Long-term partners may accept authorization workflows.
Shipment Value
Higher-value loads justify stronger payment security. A β¬50k load warrants more protection than a routine β¬2,000 haul.
Risk Tolerance
Includes counterparty credit risk, broader market conditions, and route-specific fraud patterns.
Operational Complexity
Multi-leg, long-distance, or staged operations may require staged payment structures to match costs to cash flow.
"The right workflow is the one that aligns your financial exposure with your operational reality."