SECURITY & COMPLIANCE

Keeping your logistics payments secure

At PayCargo, we prioritize security, privacy, and regulatory compliance. As a trusted logistics technology platform, we facilitate secure payment instructions exclusively through licensed financial institutions and payment providers.

How PayCargo ensures payment security & compliance

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.

Day to day security protocol

Security is fundamental at PayCargo. Our platform is supported by strong internal controls, reliable technology, and secure financial reporting.

Smart, protected data storage

Complying with GDPR and CCPA, PayCargo minimizes sensitive data storage and protects what we keep using AES-256 encryption, verified by independent auditors.

Global compliance & licensing

PayCargo complies with local laws worldwide by partnering only with licensed banks and payment providers. We maintain licenses, perform audits, and use SOC 1–validated technology to ensure regulatory adherence in every jurisdiction.

OUR CERTIFICATIONS

Our commitment to security and compliance

PCI DSS Compliance

PayCargo complies with the Payment Card Industry Data Security Standard (PCI DSS), helping ensure that cardholder data is securely handled and protected.

SOC 1 Type 2 Certified

PayCargo is SOC 1 Type 2 certified, ensuring strong controls over financial reporting, internal processes, and transaction security.

GDPR Compliant

PayCargo implements data privacy practices aligned with the EU General Data Protection Regulation (GDPR) globally, supporting the protection of personal data for our customers and partners.

CCPA Compliant

We comply with the California Consumer Privacy Act (CCPA), empowering California residents with control over their personal data.

Key features of PayCargo’s secure payment platform

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 screens members against OFAC, EU, UN, and other required sanctions lists at onboarding and through ongoing monitoring. We also screen for PEPs and adverse media and follow “Know Your Cargo” guidance to verify counterparties and key documents, helping prevent goods diversion and reduce regulatory 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 uses a proprietary, risk-based onboarding process with layered identity and account verification to help ensure secure, compliant participants across the network.

Fraud prevention

and risk management

PayCargo integrates seamlessly with systems that power every aspect of your business.

Fraud prevention and risk management

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.

Partner compliance: minimizing your risk

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.

Customer support for transaction issues

PayCargo follows a multi-step verification process to ensure payment details are accurate and secure:

Transaction cancellations

PayCargo assists in canceling transactions before the cutoff time (varies by region) if an issue is identified.

Refunds

- Automated Refunds: Available for vendors enrolled in this feature, allowing you to request refunds directly through your PayCargo account.

- Manual Refunds: For vendors not enrolled, PayCargo assists in recovering funds by working with the vendor and keeping you informed throughout the process.

Maintaining payment accuracy and security

PayCargo follows a multi-step verification process to ensure payment details are accurate and secure:

1. Fraud prevention and risk management

Customers must submit official documents (like a voided check or bank letter) to verify bank details.

2. Vendor vetting and KYC

Customers must submit official documents (like a voided check or bank letter) to verify bank details.

3. Ongoing audits & compliance

Customers must submit official documents (like a voided check or bank letter) to verify bank details.

How we handle vendor bank account changes

Verification process

Any request to update a Vendor’s bank account information undergoes a rigorous verification process to confirm the legitimacy of the new details.

Security with advanced technologies

We use bank-grade verification systems to validate U.S. bank and routing numbers and ensure account accuracy.

Expanding our global vendor network

150,000+ businesses and 6,500+ vendors trust PayCargo.

Streamline operations and reduce storage fees by 23%.

$45B+ in logistics transactions enabled by PayCargo since 2021.

SECURITY & COMPLIANCE

Questions about security or compliance?

We’re available to answer questions about PayCargo’s security, compliance standards, and risk controls.

Policies

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:

Request access

Please provide the following details to get access to PayCargo Private Reports