The Threat Landscape in European Freight
76%
Of global cargo thefts target road freight. Trucks remain the most vulnerable link in the supply chain, from depot to last-mile delivery.
AI
Criminal syndicates now deploy AI-generated credentials and deepfake identities to impersonate legitimate hauliers across European freight exchanges.
Escalating
Fake carrier fraud is surging across European freight exchanges and multi-tier subcontracting chains, costing operators millions annually.
Multi-Layer Security Architecture
CargoPay neutralises security threats at every tier of the platform β from verified network entry to individual transaction settlement.
Company Verification
Before any operator accesses the CargoPay network, it undergoes a rigorous, multi-step verification process. This is not a checkbox exercise β it is the primary defence against fraudulent actors infiltrating your supply chain.
Company Registration Validation
Certificate of incorporation, commercial register extract, and VAT registration cross-referenced against official EU databases.
Operational Credential Verification
EU Community licence for international road haulage, transport operator licence, and professional competence certificate validated against issuing authorities.
Representative Authorisation
Identity verification for authorised signatories prevents unauthorised account creation and ensures chain-of-command integrity.
Secure Payment Processing
Every payment flows through Stripe β one of the world's leading payment infrastructure providers, holding PCI DSS Level 1 certification, the highest security standard available in the payments industry.
CargoPay Never Stores Your Payment Data
Card numbers, CVVs, and sensitive payment credentials are handled exclusively by Stripe's certified infrastructure. CargoPay holds zero sensitive payment data on its servers.
- End-to-end payment encryption across all lanes
- Stripe Radar machine-learning fraud detection
- 3D Secure Strong Customer Authentication (SCA)
- Real-time transaction risk scoring per consignment
Controlled Communication Channels
Payment requests are delivered by email only. This is a deliberate, security-driven architectural decision β not a limitation.
Public links can be intercepted, shared unintentionally, or weaponised as phishing vectors. Email provides a verifiable, auditable delivery channel that maintains the transaction within a controlled, traceable environment from dispatch to settlement.
Email Delivery
Verifiable, documented, auditable
Public Links
Interception risk, no audit trail
Transaction Monitoring & Fraud Detection
CargoPay monitors every transaction for patterns indicative of fraudulent activity β proactively, in real time, not retrospectively after the damage is done.
Behavioural Analytics
Payment behaviour profiles analysed in real time to flag deviations from established operational patterns and lane histories.
Velocity Checks
Rate limiting and velocity analysis detect anomalous transaction volumes or frequency spikes indicative of coordinated fraud.
Counterparty Verification
Continuous monitoring of counterparty credentials, fleet registrations, and interaction patterns within the verified network.
Data Protection & GDPR Compliance
CargoPay operates in full compliance with applicable data protection regulations, including the General Data Protection Regulation (GDPR). Company data, transaction records, and verification documents are protected according to the highest standards for confidentiality and integrity.
- GDPR Article 5 data minimisation principles enforced
- Verification documents used solely for identity verification
- Zero data sharing with third parties without explicit consent
- eFTI Regulation (EU) 2020/1056 alignment for digital freight documentation
Encryption at Rest
All stored data encrypted using industry-standard AES-256 encryption
Encryption in Transit
TLS 1.3 for all data transmission between platform, carriers, and brokers
Data Minimisation
Only necessary data collected, retained only for the legally required duration
Audit Trail
Complete transaction and access logs for compliance reporting and dispute resolution
Operate with the Security Your Freight Business Demands
CargoPay's multi-layer security architecture is engineered for the realities of European road freight β where fraud is sophisticated, margins are tight, and trust must be verified at every node of the supply chain.