PayCargo® 專為全球供應鏈建構專屬金融科技網絡。透過「單據級數據透明化 (Line-Item Transparency)」與即時系統驗證，杜絕少付/多付爭議，顯著降低財務對帳成本，實現即時清關與提單放行。 PayCargo® delivers purpose-built fintech infrastructure for global supply chains. Achieving line-item data transparency and instant system validation, PayCargo eliminates payment friction, reduces DSO, and automates back-office reconciliation.
傳統銀行轉賬或支票結算缺乏單據細節，常因少數爭議款項導致整張對帳單被扣付，延長應收帳款天數 (DSO)。PayCargo® 支援提單/發票級別 (MAWB/HBL Level) 的細項透明對帳，買方只需對正確項目即時付款，賣方即時收到水單與解鎖貨物。 PayCargo replaces fragmented manual collections with real-time AR control. Billing at MAWB/HBL level ensures line-by-line transparency, preventing forwarders from withholding full statement payments over isolated line disputes.
自動帶入提單號碼與 Job 明細，付款時捕捉完整匯款數據與附加費 (如倉儲/滯期費)，無縫同步至會計與 ERP 系統。 Captures line-item references and accrued charges directly, ensuring exact outstanding balance matching and zero revenue leakage.
無需人工逐筆追查水單或對照銀行電匯。系統自動觸發付款通知與對帳憑證，節省超過 60% 財務後勤人力。 Automated remittance captured at point of payment. Eliminates manual chasing of bank receipts or physical cheque handling.
內建嚴格 KYC 認證與閉環賣方網絡，支援分級審批流（操作員/主管/CFO）與每日交易限額設定，確保審計合規。
Role-based approval workflows, vendor vetting, SOC 1, PCI-DSS, and GDPR compliant environment supporting internal controls.
全球買方付款時，全球轉賬/跨境支付僅支援信用卡 (Visa / Mastercard / 銀聯)；香港本地於 T+1 以港幣完成結算，零匯率風險。
Global transfers and international payments strictly support Credit Cards (Visa, Mastercard, UnionPay). Local HKD settlement completes at T+1.
專為複雜物流場景設計，PayCargo® 應付帳款自動化平台能直接對接 CargoWise、Descartes、Magaya 等主流 FMS/TMS/ERP 系統。從發票讀取、預提費 (Accruals) 自動比對、異常標註到入帳，每張發票處理時間縮短至 30 秒以內。 Engineered for complex supply chain finance. PayCargo® AP Automation integrates seamlessly with CargoWise, Descartes, Magaya, and enterprise ERPs. Streamline invoice intake, automated 3-way accrual matching, exception alerts, and ledger posting in under 30 seconds per invoice.
| 處理階段Processing Phase | 傳統人工流程Traditional Manual Process | PayCargo® 自動化流程PayCargo® Automated Workflow | 每月節省工時Monthly Labor Saved |
|---|---|---|---|
| 1. Data Entry (數據輸入Data Capture) | 人工開啟 Email/PDF 並手動輸入發票數據 (平均 5 分鐘/張) Staff manually open emails/PDFs & key invoice data into ERP (~5 mins/inv) | AI 自動擷取電郵/PDF 關鍵欄位並帶入系統 (<30秒/張) AI automatically ingests emails/PDFs & extracts key fields (<30s/inv) | 375.0 Hours |
| 2. Accrual Matching (預提費比對3-Way Accrual Match) | 人工逐筆核對發票與內部 Job 預提費用 (平均 10 分鐘/張) Staff manually match charges against internal job accruals (~10 mins/inv) | 系統即時自動核對發票金額與 Job 欄位預提 (即時對帳) System auto-reconciles invoice amounts against job accruals in real-time | 833.3 Hours |
| 3. Exception Handling (異常金額處理Discrepancy Handling) | 手動撰寫電郵向碼頭/船公司爭議，常導致整張帳單扣付 Manual emails to vendors for line disputes block whole statement payments | 直接於平台對不符細項發起 Dispute 警報，不影響無爭議項目付款 Dispute mismatched line items directly in platform without delaying clean lines | 108.3 Hours |
| 總工時與人力輸出Total Labor Output | 1,333.3 Hours (~8.0 FTEs) | 58.3 Hours (~0.3 FTEs) | 1,275 Hours (95.6% Saved) |
傳統 OCR 無法理解複雜的物流單據。PayCargo® Document AI 經過數百萬張物流專屬文件訓練，能以超過 95% 的準確率自動解析非結構化數據，並直接回寫至 CargoWise、Descartes、GoFreight 等 ERP 系統，推動香港成為企業的國際數據共享服務中心 (Shared Services Hub)。 Engineered specifically for supply chains. Trained on millions of logistics documents, PayCargo Document AI captures unstructured data from emails and PDFs with >95% accuracy, posting structured fields straight into your ERP/TMS.
每月回收 800 小時人力，實現 10,000+ 簽收單 (POD) 100% 無人工干預 (Touchless) 自動審核。800 hours recovered every month, 10,000 deliveries/month fully touchless across 10+ branches.
98% 直通率 (Straight-Through Processing)，團隊人數不變下處理量翻倍至 12,000+ 發票/月。98% straight-through processing, handling 12,000+ invoices/month with zero keying errors.
覆蓋全美 30+ 空運場站，將空運提單 (AWB) 的人工手動輸入工時減少 70%。70% reduction in manual effort across 30+ US airport locations.
每月自動索引與解析超過 300,000 份混合物流單據 (PODs, BoLs, Invoices)。300,000 documents indexed per month automatically.
為本地開發 ERP、WMS、TMS 及計費系統的軟件供應商提供全球物流金融支付層升級。無縫融入 PayCargo® 系統 API，將傳統後勤行政工具升級為具備國際支付執行能力的金融科技平台。 Empower local software vendors developing proprietary ERPs, WMS, and billing systems with an institutional global payment execution layer. Upgrade traditional admin software into global financial execution networks.
對接全球超過 5,000 家物流商與 150,000 企業信任之金融平台，賦予本地軟件與 Kuehne+Nagel、Maersk 及 UPS 同級之國際支付認證。 Align with a trusted global platform connected to 5,000+ logistics providers & 150,000+ businesses, equipping local software with institutional credibility.
本地系統發起支付並於香港以港幣完成結算；支援全球買方透過 Visa、Mastercard 及銀聯信用卡即時付款，無跨境匯款延誤。 Local HKD settlement for Hong Kong platforms while accepting credit cards globally (Visa, Mastercard, UnionPay), eliminating cross-border wire delays.
節省百萬級金融安全開發與法規成本，直接獲取 SOC 1、PCI-DSS 認證、GDPR 標準及 KYC 驗證機制。 Avoid high R&D and legal compliance costs with pre-configured SOC 1 audits, PCI-DSS, GDPR standards, and KYC vendor verification.
一次性 API 對接即刻啟用信用卡、銀行轉賬、現場八達通 (Octopus) 及微信/支付寶流動支付。 Single API integration unlocks credit cards, bank transfers, on-site Octopus tap-to-pay, and WeChat/Alipay mobile wallets seamlessly.
請輸入您每月的發票或提單處理量，即時計算 PayCargo® 自動化為您節省的對帳工時與全職人力 (FTE)。 Adjust the slider below to calculate hours saved and FTE capacity freed up for high-margin operations.
節省後勤人工輸入時間，讓貨代企業能將行政員工從後勤打字核銷中解脫，重新部署至高利潤、創造收入的核心業務崗位： Saving staff hours allows forwarders to redeploy administrative employees away from back-office keying to high-margin, revenue-generating operations:
拓展業務與開發新客戶帳號。Drive growth and generate new customer accounts.
提升服務標準與改善客戶留存率。Enhance service standards and improve client retention.
直接與承運商談判優化運價。Negotiate optimized pricing directly with carriers.
不論您是需要將 PayCargo® 整合至現有的 CargoWise/ERP 系統、實現發票 AI 自動對帳，還是優化香港站點的款項回收流程，我們的團隊均可提供一站式落地方案。 Connect directly with PayCargo to schedule an integration review or Document AI live demonstration.
