Transparency

How Payments Work

End-to-end explanation of how money flows between customers, ShareConLoad, and operators, all processed securely via Paystack.

Payment Security

All payments processed exclusively via Paystack
No card data ever stored on ShareConLoad servers
Customers pay on Paystack's PCI-DSS compliant hosted page
Paystack secret keys stored only in server-side Edge Functions
Webhook signatures verified on every event
Operator payouts only after full KYC approval

Three-Stage Payment Model

Customer payments are never collected in full at once. The total is split into three stages tied to shipment milestones so customer funds move only as the shipment progresses.

20%

Deposit

Paid at booking to secure the space. Refundable within 48 hours of booking confirmation. Non-refundable after that window.

50%

Pre-Departure

Due 7 days before the container departs the origin port. Required for the container to sail.

30%

Final Release

Due at the destination before cargo is released to the consignee. Cargo is held until this stage clears.

End-to-End Money Flow

How each payment travels from the customer to the operator.

1
Customer

Initiates payment

Customer clicks Pay Now on the staged payment page. ShareConLoad's Edge Function generates a Paystack payment link. The customer is redirected to Paystack's secure hosted payment page, no card data touches ShareConLoad servers.

2
Paystack

Processes the transaction

Paystack handles all card processing, 3D Secure verification, and fraud checks. On completion, Paystack sends a signed webhook event to ShareConLoad.

3
ShareConLoad

Verifies & records

Our Edge Function verifies the Paystack webhook signature, confirms the payment reference, and marks the payment stage as paid in the database. The booking progresses to the next status.

4
ShareConLoad

Releases payout to operator

Once payout eligibility conditions are met (KYC approved, no active dispute, refund window elapsed), ShareConLoad initiates a Paystack Transfer to the operator's verified bank account, minus the tiered platform commission.

5
Operator

Receives net payout

The operator receives the net amount (gross payout minus commission) directly into their registered bank account via Paystack.

Operator Payout Eligibility

A payout to an operator is only released when ALL of the following conditions are satisfied:

Corresponding customer payment stage is confirmed as paid
Operator has a verified Paystack recipient code (bank account registered)
Operator KYC documents are approved (payout_enabled = true)
No active dispute on the booking
48-hour refund window has elapsed (Stage 1 only)
No payout_hold flag active on the operator profile

Refunds

Refunds are never automatic. They are initiated by an admin through the Paystack API only after a formal review of the customer's cancellation or dispute. See the Cancellation & Refund Policy for full details.

Pricing & Commission

Tiered operator commission rates and payment stage breakdown

Cancellation & Refund Policy

Deposit windows, refund eligibility, and operator rules

Operator Verification (KYC)

Documents and checks required for logistics providers

Share the Load. Connect the World.