Payment Processing Terms

Last updated November 8, 2026

Summary: Ten10 never holds anyone's money. When you get paid or pay someone through Ten10, Stripe moves the money, not Ten10. Ten10 is not a bank and does not pay carriers or brokers on behalf of shippers or anyone else. Shippers pay brokers, and brokers pay carriers, from their own bank accounts or through their own Stripe accounts.

1. Two kinds of money

Your Ten10 subscription is paid to Ten10 under the Subscription and Billing Terms.
Freight payments (a shipper or broker paying an invoice, a broker paying a carrier, QuickPay) are between the companies involved. Ten10 only provides the software to send them through Stripe.

2. Stripe

Online payments, bank connections and payouts are provided by Stripe, Inc. and its partner banks. Stripe is a payment processor; neither Stripe nor Ten10 is your bank, and Ten10 is not a money transmitter. To get paid online you open a Stripe account and agree to the Stripe Connected Account Agreement and Stripe Services Agreement. Stripe, not Ten10, verifies your identity and bank account and decides payout timing.

3. What Ten10 does not do

Ten10 does not pay carriers, brokers or anyone else for freight with its own money, does not guarantee that any shipper, broker or carrier will pay, does not extend credit, and is not responsible for unpaid, late, short, reversed or disputed freight payments.
Online invoice payments are paid by the customer to the company that sent the invoice, through that company's own Stripe account.

3a. Ten10 never holds funds

Ten10 does not accept, hold, pool or keep balances of anyone's money. Brokers pay carriers, and shippers pay brokers, from their own bank accounts or through Stripe; Stripe facilitates the payment and Ten10 provides the software.
QuickPay lets a broker pay a carrier quickly through Stripe. The broker, not Ten10, owes its carriers and sets its QuickPay terms and discounts. Carriers receive payments through their own Stripe accounts.
Prefunded QuickPay balances are no longer accepted. A broker that added funds before November 8, 2026 may use the remaining cleared balance to pay carriers or ask for it back at any time by emailing hello@getten10.com; it is returned to the bank account it came from, less amounts already sent or reversed. The limits of liability in the MSA do not limit Ten10's duty to return such a balance.

4. Your bank and tax information

Bank details entered for direct deposit or carrier packets are encrypted and shared only with the company you're getting paid by or through Stripe. You confirm that you are authorized to use the account and that the information is correct.

5. ACH authorization

If you pay by bank (ACH) through Ten10, you authorize Stripe to debit your account for the amount you approve, and to re-attempt or reverse a debit as allowed by the Nacha rules. You can revoke a future authorization by contacting the company you're paying before the payment date.

6. Fees, refunds and disputes

Processing fees are shown before you pay or accept a payment. Refunds and disputes of freight payments are between the payer and the payee; card and ACH disputes follow Stripe's and the card networks' rules. A company that receives payments is responsible for chargebacks, returned ACH debits and reversals on its payments, and Ten10 may recover amounts it is charged for them, including from future payouts, as allowed by law and the Stripe agreements.

6a. Card surcharges

A company that adds a card surcharge to its invoices is responsible for following card network rules and state law (including caps, disclosures and the ban on surcharging debit cards), and Ten10 may limit or turn off surcharges.

7. Prohibited payments

You may not use payments in Ten10 for anything other than real freight and transportation services you provided or received, or in violation of Stripe's restricted business list or the law.