My customers pay on commercial cards and it costs a fortune

Check the Level 2 and Level 3 data

Damage claims arrive with no paperwork

Attach the POD to the transaction

Industry guide · Underwriting Requirements

Trucking and logistics merchant account requirements

Underwriting is not looking for a reason to say no. It is looking for enough evidence to say yes, and most delays are a missing document rather than a decision.

Start an application Ask Pyper what applies to me

25+ YEARS

of payment processing
experience

25+ YEARS

of payment processing
experience

Underwriting Requirements · Trucking & Logistics

One organized file. Fewer surprises.

A complete, accurate file saves back-and-forth and helps partners make informed decisions.

01Verify the business and principals
02Collect industry-specific documents
03Present the complete transaction story

What we review

Practical details. Real context.

Owner identification and verifiable business details.
Bank and processing statements where available.
Products, delivery, refund and dispute policies.
Additional industry and licensing records as required.

We translate your business model into a clear application, anticipated risk review, required licenses, customer journey, financial records and fulfillment evidence.

Trucking & Logistics workflow

Know the transaction before the rate.

01Dispatch & deliver
02Create invoice
03Collect card / ACH
04Reconcile receivables

Documentation checklist

Build a complete submission.

Carrier authority / operating records
Invoice and payment examples
Business bank and statements
Customer contracts

AltirasPay prepares and supports the file. The acquiring bank decides approval, pricing and terms.

Meet Pyper

Need help with the details?

Pyper can explain the steps, prepare questions for an expert and help you understand what comes next.

Ask Pyper

How the money reaches you

Underwriting is reading a description of this path. The clearer it is, the less there is to ask about.

SHIPPERINVOICEPAYMENT PORTALCARD / ACHSETTLEMENTERP / ACCOUNTING

Running alongside: POD · BOL · FACTORING · FUEL · DRIVER PAYOUTS · LEVEL 2 / 3 DATA.

What gets built for trucking, fleet & logistics

Commercial Card Optimization

Capture eligible Level 2 and Level 3 transaction information for commercial purchasing cards when supported. On freight invoices this is routinely worth more than anything a processor concedes on markup, and it needs a gateway that sends the fields rather than a negotiation.

Invoice-to-Payment

Turn invoices into payment links supporting appropriate card and ACH options, so the customer pays from the invoice rather than from a phone call to accounting.

Factoring Reconciliation

When receivables are factored, four numbers have to line up or the month does not close.

Fuel Payments

Support appropriate fleet and fuel-card environments where available, with their own interchange treatment worth checking separately.

Contractor & Driver Payouts

Integrate provider-supported payout rails for the money going the other way.

Proof-of-Delivery Evidence

Attach the bill of lading, proof of delivery, invoice and payment to the same transaction record, so a damage or delay claim months later has one place to look.

Show Us How a Load Turns Into Cash.

From the fuel purchase to the settled invoice, we will map where the money sits and how long it sits there.

The exact document list depends on the business rather than the industry, so we resolve it against what you tell us instead of sending everyone the same checklist. Pyper can give you yours in about a minute.

Applying commits you to nothing and is not an approval. The acquiring bank decides placement, pricing and terms — we build the file and tell you honestly what it is likely to meet.