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Pay To Feature: How to Easily Make Your Payments Step-by-Step

This step-by-step guide walks you through the full payment process and outlines what to expect at each stage.

Ruby Wausi avatar
Written by Ruby Wausi
Updated this week

What is the Pay To Feature?

The Pay To feature allows you to send payments from your CargoWALLET account to:

  • Another CargoWALLET user

  • A Guest User (someone not yet registered on CargoWALLET)

  • An external bank account

Who Can Use the Pay To Feature?

To initiate a Pay To transaction, you must:

Payment Flow

Navigate to the “Pay To” tab in the CargoWALLET navigation bar.

Step 1: Fill Out Transaction Details

  • Input the amount and currency you want the recipient to receive.

  • Don’t worry if your wallet holds a different currency; the system will handle the conversion for you.

Files Upload field

If Amount < 5k USD, then the field is optional.
If Amount 5k USD, then the field is mandatory.


When all the mandatory information has been provided, the next step button becomes clickable.

Step 2: Select the Recipient

Search by the company name or the recipient's email address


NOTE:
In the CargoWALLET Account section, all the “Public” wallets are displayed.
If a wallet is in private mode, it will not be displayed within this card. (
How to Manage Your Wallet Privacy Setting)

​If the recipient is not yet on cargoWALLET (Guest User)

Enter the recipient's email address (for users who don't yet have an account).


If the email belongs to a guest user (not in our system), you may have the option to send the payment directly to their bank account.

NOTE:
This bank payment option is only available to users who have completed the KYB process. If your KYB is incomplete, the checkbox will be disabled.

When selecting a guest user, a checkbox “I know their bank details” will appear.

  • If you check this box, you can manually fill in the guest recipient’s bank details.

  • If you don't know the recipient's bank account or can't access this feature due to incomplete KYB, you can still send the payment. (We will hold the fund until the guest signs up a cargoWALLET.)

Step 3: Choose a Payment Method


You can fund the transaction using

  • Your Prepaid Balance (default option)

  • Credit/Debit Card

  • Local Bank Transfer

  • International Bank Transfer

  • Local payment method(s)​

NOTE:
​The currency you selected in Step 1 will be used first. If there are insufficient funds in that currency, CargoWALLET will auto-select the currency with the highest available balance (real value).

We support payments in the recipient’s currency, plus four additional currencies: EUR, GBP, SGD, USD.

  • Not all payment methods are available for all currencies.

  • Available options will appear once you choose a currency from the dropdown.

Fees vary depending on payment method and currency. The total fee will be displayed upfront before you confirm the transaction.

Payment Methods Comparison

Payment Method

Speed

Fee

Availability

Notes

Prepaid

Instant

Lowest (3 USD)

As long as there’s sufficient funding in your wallet

Bank transfer

Non-instant

Low

Some currencies

International bank transfer

Non-instant

Low

Some currencies

Available for transactions≥ USD 50

Local payment method(s)

Instant

Higher

Some currencies

Available for transactions≥ USD 50

Card

Instant

Highest

Most currencies

Step 4: Confirm Payment

Review the transaction summary for accuracy.
Click “Confirm Payment” to complete the transaction.


What you see next will depend on the payment method you selected:

  • Prepaid Balance: You’ll see a payment success screen.

  • Credit Card / Local Payment Method: You’ll be prompted to enter your card or local payment details.

  • Bank Transfer: You’ll be shown bank transfer instructions with account details to initiate the transfer manually.

    After you confirm the payment, you’ll receive different email notifications depending on the payment method you selected:

  • If you used your prepaid balance and the payment is successful: Both you (sender) and the recipient will receive a confirmation email. You’ll also be able to track the transaction in your CargoWALLET dashboard.

  • If you choose a bank transfer method: You will receive an email with the bank account details and payment instructions needed to complete the transaction.

Track Your Pay To Transactions

All Pay To transactions, whether completed, pending, or in progress, can be viewed anytime on your Transactions page. This gives you full visibility into the status of every payment you’ve initiated.

Here’s what each status means

Status

Description

Waiting for transfer

Payer chose a non-instant payment method and the money is not yet received

Awaiting Recipient Signup

When payer choose a guest recipient and the recipient has not yet created an active wallet

NB: not applicable if the payer is sending the payment directly to the guest recipient’s bank account

Successful

Funds have reached the recipient’s office wallet or bank

If the payer choose a instant payment method, the status should be successful straight away

NB: for payment to guest recipient’s bank account, it will take a few extra days to arrive at the recipient’s bank

Tips and Reminders

  1. Accuracy Matters: Double-check the currency and amount to match the intended payment.

  2. Fee Transparency: All fees are shown before you confirm the payment.

  3. Recipient Visibility: Only public wallets are searchable.

For further assistance, reach out to the support team via support+wallet@cargoai.co

We hope you find this article useful!

Note: Images shown here are for illustrative purposes only.

CargoAi reserves the right to change the actual screen layout without prior notice.

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