The Threat Landscape in European Freight
76%
Of global cargo thefts involve trucks. Road freight is the most targeted mode of transport.
AI
Criminal networks now use AI-generated credentials and deepfake identities to impersonate legitimate carriers across freight exchanges.
Growing
Fake carrier fraud is an escalating threat across European freight exchanges and subcontracting chains.
Multi-Layer Security Architecture
CargoPay addresses security threats at every level of the platform, covering network entry to individual transactions.
Company Verification
Before any company accesses the CargoPay network, it undergoes a structured verification process. This is not a checkbox exercise. It is the primary defence against fraudulent actors.
Company Registration Validation
Certificate of incorporation, commercial register extract, VAT registration verification.
Operational Credential Verification
Community licence for international road haulage, transport operator licence, professional competence certificate.
Representative Authorization
Identity verification for authorized representatives prevents account creation by unauthorized individuals.
Secure Payment Processing
All payments flow through Stripe, one of the world's leading payment infrastructure providers with PCI DSS Level 1 compliance, the highest available certification.
CargoPay Never Stores Your Payment Data
Card numbers, CVVs, and sensitive payment credentials are handled exclusively by Stripe's certified infrastructure. CargoPay holds no sensitive payment data.
- End-to-end payment encryption
- Stripe Radar fraud detection
- 3D Secure authentication
- Real-time transaction risk scoring
Controlled Communication Channels
Payment requests are sent by email only. This is a deliberate, security-driven design decision.
Public links can be intercepted, shared unintentionally, or used as phishing vectors. Email provides a verifiable, professional delivery channel that maintains the transaction within a controlled environment.
Email Delivery
Verifiable, documented, professional
Public Links
Interception risk, no audit trail
Transaction Monitoring & Fraud Detection
CargoPay monitors all transactions for patterns indicative of fraudulent activity, proactively, not retrospectively.
Behavioral Analytics
Payment behavior patterns analyzed in real time to identify deviations from expected activity profiles.
Velocity Checks
Rate limiting and velocity analysis detect unusual transaction volumes or frequency patterns.
Counterparty Verification
Ongoing monitoring of counterparty credentials and interaction patterns within the verified network.
Data Protection & GDPR Compliance
CargoPay complies with applicable data protection regulations, including the General Data Protection Regulation (GDPR). Company and transaction data is protected according to established standards for confidentiality and integrity.
- GDPR Article 5 data minimization principles
- Verification documents used solely for verification
- No 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 in Transit
TLS 1.3 for all data transmission between platform and users
Data Minimization
Only necessary data collected, retained only for required duration
Audit Trail
Complete transaction and access logs for compliance and dispute resolution
Operate with the Security Your Business Requires
CargoPay's multi-layer security framework is designed for the realities of European road freight, where fraud is sophisticated, stakes are high, and trust must be earned through structure.