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You can now pay CSX Rail (Storage Payments Only) with your PayCargo Payer Account: Log In To Pay
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Whether you’re a payer or vendor, PayCargo is your trusted partner, ensuring secure payments, data privacy, and strong relationships. Our mission is to provide fast, secure, and compliant financial infrastructure, ready for the future of logistics.
Security is fundamental to everything we do at PayCargo. We ensure our platform is backed by strong internal controls, reliable technology, and secure financial reporting processes.
In compliance with regulations like GDPR and CCPA, PayCargo minimizes the amount of sensitive data we store and protects the data we do store using AES-256 encryption at rest, verified by independent auditors.
PayCargo complies with local laws worldwide by partnering only with licensed banks and payment providers. We maintain all necessary licenses, perform regular audits, and use SOC 1–validated technology to ensure full regulatory adherence in every jurisdiction we operate.
We take security and compliance seriously. Our certifications reflect our commitment to protecting your data and adhering to global regulatory standards.
PayCargo complies with the Payment Card Industry Data Security Standard (PCI DSS), helping ensure that cardholder data is securely handled and protected.
PayCargo is SOC 1 certified, demonstrating adequate controls over financial reporting, internal controls, and security systems that impact client transactions.
We comply with the California Consumer Privacy Act (CCPA), empowering California residents with control over their personal data.
We onboard every member using a proprietary, risk-based system refined over a decade. Multiple layers of identity and account verification prevent fraud, identify high-risk entities, and reduce risks from unverified or sanctioned parties. We use trusted tools, including global identity checks, government and commercial databases, and real-time account validation to ensure secure, compliant payer and vendor profiles from the start.
To verify the identity of payers and vendors on our network, we use trusted, industry-leading technologies and commercial databases, including public government sources, to thoroughly verify both identity and bank account information.
PayCargo performs real-time sanctions screening during onboarding and ongoing monitoring to ensure compliance with global regulations. We screen against major watchlists, including:
We also screen for Politically Exposed Persons (PEPs) and adverse media. Following ‘Know Your Cargo’ guidance, we verify counterparties and documents to prevent goods diversion—helping protect customers from penalties and reputational risk.
PayCargo verifies all new vendor bank accounts using third-party bank verification systems to ensure that account and routing numbers match the vendor’s business name. Multi-party calls are also conducted for final verification. PayCargo never holds or transfers funds; we send secure payment instructions between verified banks, keeping all money within the banking system.
Our fraud and risk team, combined with advanced technologies, continuously monitors transaction activity to detect and prevent fraud. Unusual activity is stopped in real time and before it is processed, reducing the risk of chargebacks and protecting you from fraudulent activity and the risk of financial loss.
PayCargo proactively manages vendor risk through ongoing relationship oversight, advanced fraud monitoring, and robust verification protocols. All vendors undergo rigorous due diligence, including multi-layered identity and bank account verification using trusted verification tools and commercial intelligence sources. Any changes to vendor banking details trigger a full re-verification process. Our fraud and risk teams continuously monitor transaction activity to ensure security and compliance.
PayCargo integrates seamlessly with systems that power every aspect of your business.
Non-compliant partners increase fraud risk, regulatory fines, and operational disruptions. PayCargo’s strict onboarding and continuous monitoring reduce these risks, protecting your logistics payments at every step.
Our fraud team uses advanced tools and real-time monitoring to detect and stop suspicious transactions. We combine rule-based logic, third-party verification, and AI-powered solutions to stop fraud before it impacts your business.
PayCargo follows a multi-step verification process to ensure payment details are accurate and secure:
PayCargo assists in canceling transactions before the cutoff time (varies by region) if an issue is identified.
PayCargo follows a multi-step verification process to ensure payment details are accurate and secure:
Customers must submit official documents (like a voided check or bank letter) to verify bank details.
We verify business credentials and conduct bank calls as part of our Know Your Customer (KYC) process to ensure compliance and accuracy.
Our systems undergo regular audits to maintain accuracy and prevent errors or fraud.
Any request to update a Vendor’s bank account information undergoes a rigorous verification process to confirm the legitimacy of the new details.
We use bank-grade verification systems to validate U.S. bank and routing numbers and ensure account accuracy.
While PayCargo primarily supports vendors in the U.S., Canada, Europe, UK, Australia, and Hong Kong, we are continuously working to expand our network actively exploring new regions for future expansion.
To ensure the security, privacy, and proper functioning of our platform, PayCargo has developed the following policies. These outline the terms, conditions, and guidelines governing the use of our services:
PayCargo follows a multi-step verification process to ensure payment details are accurate and secure:
Please provide the following details to get access to PayCargo Private Reports
For more information about our security practices and compliance standards, feel free to email your sales representative or customer support team
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