Logistics Merchant Account and Payment Processing.

These accounts enable you to accept payments online via credit or debit cards, which will save time and improve the customer experience. They are an intermediary between the customer's bank account and your business bank account. When a customer pays, the payment gateway sends the card for authorization in real time, and once the sale settles, the funds are deposited into your business bank account.

Trucking companies, movers and local delivery use MCC 4214 Motor Freight Carriers and Trucking. Couriers and freight forwarders use 4215, and warehouses and storage use 4225. None of these needs a card network registration. Don't use 4789 for freight: it's a passenger transportation code.

Most aren't by card network rules: no freight code is on Visa's high-risk list. Underwriters look harder at freight brokers and forwarders, household-goods movers that take deposits, and international shipping, because of high tickets, damage claims and delivery disputes.

Often, yes, for carriers, couriers and movers. Stripe requires prior approval for shipping brokers and freight forwarders in the US. As tickets grow, aggregators review large payments and can hold payouts, so growing logistics companies usually want their own merchant account.

Often, yes. When shippers pay with purchasing, corporate or business cards, sending invoice line items (product code, quantity, unit cost) can qualify for lower interchange. Visa ended Level 2 in April 2026, so Visa's savings now come through its Level 3 program, called CEDP. Mastercard Level 3 works with purchasing and corporate cards.

In general, you can expect approval within 3-10 business days. Factors that may influence the underwriting process include your time in business, credit score, transaction volume, and whether you serve regional or international clients. Our agents will keep you updated throughout the process and answer any questions you may have, including reaching out for more documentation if necessary.

To apply for an account with Adaptiv, you'll need the following information:

• Business Documentation: Your EIN, business license, and articles of incorporation.
• Logistics-Related Documentation: Include your USDOT and MC numbers, broker bond if you're a broker, sample bills of lading, rate confirmations and contracts.
• Financial Documents: At least three months of business bank statements and previous processing statements, if available. Include your expected monthly transaction volume.
• Proof of Address and ID: Provide a recent utility bill and a government ID for the principal owners. You should also provide your website address and social media accounts.

We may ask for additional documentation, such as e-commerce details or proof of regulatory compliance.

Often, yes. Many logistics companies come to us after a processor closed their account. We look at why it happened and what's changed. We also work with merchants on the MATCH list.

It depends on how you bill. Movers taking large deposits, brokers and new companies with high tickets may have a reserve at first. Carriers that invoice after delivery and have clean history often start with a low reserve or none.

Yes. Brokers need FMCSA broker authority and a $75,000 surety bond (BMC-84) or trust fund (BMC-85). If the bond is drawn down and not restored, FMCSA suspends the authority after 7 business days, so underwriters check it. Stripe also requires prior approval for brokers and forwarders.

Yes. Interstate movers can accept cards if their tariff lists them. At delivery, a mover can collect no more than a binding estimate, or 110% of a non-binding estimate, plus extra services the customer asked for. If a customer reverses a card payment with a chargeback, FMCSA rules let the mover treat it as unpaid freight charges.

We are a PCI-DSS compliant payment solutions provider that uses next-level security measures like encryption, tokenization, and multifactor authentication to ensure that your clients can pay for their goods with confidence. Additionally, our reporting tools let you match payments to invoice and BOL numbers, which keeps your books clean and your clients confident.

This sector is considered high-risk for several reasons. Firstly, there is a high risk of chargebacks and fraud, particularly when issues such as shipping delays or damaged goods arise. Factors like bad weather, mechanical breakdowns, or accidents can lead to delays, damage claims and disputes.

The complex supply chain, high regulatory burden, and compliance issues also contribute to this high-risk designation. Lastly, high-value transactions in the thousands of dollars entail a significant risk of financial losses if operational costs rise due to unforeseen issues.

Mostly "not received" claims for late or missed deliveries, "not as described" claims for damaged goods, and disputes over final amounts. A signed BOL, proof of delivery with the full address, the signed estimate and your cargo claims file win most of them. 3D Secure only helps with fraud disputes.

Visa's VAMP program flags merchants at a 1.5% fraud-and-dispute ratio with at least 1,500 disputes and fraud reports in a month, and Mastercard starts at 1.5% and 100 chargebacks. Banks act well before that, so aim to stay under 1%.