Transportation & logistics
How money moves
- Shipper pays for the load. The shipper pays your platform by ACH debit or card, and funds land in your Moov wallet.
- Platform settles with the carrier. When a load is delivered, you move the carrier's share from your wallet to the carrier's wallet instantly. Your platform fee stays in your wallet.
- Carrier pays drivers or subcontractors. Fleet carriers pay drivers and subcontracted carriers from their wallet, linked to the original load payment.
- Carriers and drivers cash out. Payees withdraw to a verified bank account by instant payments (RTP or FedNow) or same-day ACH, or to a debit card by push to card.
Moov products you'll use
- Hosted onboarding: invite carriers and owner-operators to create their own accounts.
- Bank account verification: confirm a carrier owns the account before you pay it.
- Wallets: hold shipper funds and split them between carriers and your platform.
- Transfer groups: connect driver and subcontractor payouts to the load payment.
- Instant payouts and push to card: offer quick pay to carriers who need cash flow.
- Pay out to a bank account: choose the payout rail and timing for each carrier.
Transportation considerations
Quick pay as a product. Many carriers, especially owner-operators, need funds right after delivery for fuel and maintenance. Instant payments and push to card let you offer near real-time payouts, and payout fees let the recipient cover the cost of faster methods. Check that the carrier's bank account or card is eligible for instant funds first. The push to card and instant payouts guides explain eligibility and required capabilities.
Stop payout fraud. Verifying linked bank accounts protects against redirected payouts when someone impersonates a carrier. Instant micro-deposits verify a bank account in one session over RTP when the bank supports it, and fall back to same-day ACH when it doesn't. See instant micro-deposits.
Multi-party settlement. A single load can pay a broker, a fleet carrier, and a driver. Transfer groups tie those transfers to the parent payment, so the final payee sees incoming funds early and you keep the full chain for reporting.
Reconcile by load. Store load numbers, bill of lading IDs, or invoice numbers as transfer metadata. You can update metadata after a transfer completes.
Build it
Work through these guides in order to build this integration end to end: