Logistics and freight payments — net-terms that actually settle.
Logistics, freight, and 3PL operators run on net-30 invoicing with commercial card and ACH mix. Tabletop configures the gateway, the customer portal, the Level 2/3 flow, and the ACH option so receivables move and the interchange stops eating margin.
Statement review, savings projection, and full tech stack recommendations.
What we hear on the ground.
What we hear from logistics finance leads:
- Customer invoices on commercial cards at non-qualified interchange — quietly losing basis points per transaction.
- Net-30 invoicing aging because customers don't have a friction-free pay path.
- Quick-pay programs (factoring-adjacent) running manually with bank wires instead of automated ACH.
- Carrier-side payments and customer-side payments managed in different systems with no unified reporting.
- Processor relationship that hasn't been audited in years.
How Tabletop solves it.
Concrete service layer:
- Level 2/3 interchange. Commercial card volume runs at the lower rate when configured correctly. Basis points back per transaction.
- ACH on the customer portal. Default path for large freight invoices. Costs and friction down.
- Quick-pay automation. Carriers paid faster on automated ACH instead of manual wires. Same operational cost, much faster payment.
- Customer portal with stored payment methods. Customers log in, pay invoices, see history.
- Unified reporting. Customer-side AR and carrier-side AP in one reporting view.
The stack we deploy.
Common pieces in a logistics build:
- Payarc CRM — gateway, invoicing, recurring, ACH, customer portal.
- Rise CRM — customer relationship and account management layer.
- Traditional payment program — right structure for commercial-card-heavy logistics billing.
- Growthzilla — marketing and customer acquisition layer for growing logistics operations.
- Working capital — for fleet expansion, fuel cost management, and growth cash.
What you actually save.
Real savings depend on your card mix, your invoice volume, and your current gateway config. Typical surfaces:
- Level 2/3 interchange. Logistics operators running 50%+ commercial card mix often leave 50-80bp on the table per transaction.
- ACH conversion. Large freight invoices belong on ACH. The cost gap vs card is significant.
- Quick-pay efficiency. Manual wire-based quick-pay programs eat operational hours. Automated ACH pulls that back.
Illustrative figure ranges only. Actual savings depend on your statement, your card mix, and the program you select.
Questions, answered.
Will the system handle quick-pay programs for carriers?
Yes. Automated ACH with same-day or next-day settlement, with the audit trail and reporting that finance teams need.
How does Level 2/3 apply to freight invoices?
Freight invoices to corporate customers often run on purchasing cards or corporate cards. Passing Level 2/3 data qualifies them for reduced interchange.
Can we integrate with our TMS?
Most major TMS platforms integrate with our gateway. We confirm yours during the cost analysis call and configure the workflow so settled payments flow back into the TMS for reconciliation.
How does ACH compare to card for freight?
ACH costs a fraction of a percent vs 2-3% on card. On large freight invoices, the savings are immediate and significant. Most large customers prefer ACH once it's the easy path.
What about international freight customers?
For operators with significant international invoicing, we configure the right gateway with currency, settlement, and reporting to match.
Get a real cost picture for your logistics operation.
Send your most recent processor statement. We will model the Level 2/3 savings, the ACH conversion opportunity, and the quick-pay automation impact.
Complimentary Cost AnalysisStatement review, savings projection, and full tech stack recommendations.