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Adding and changing payment methods

How to choose and change your payment method, connect a credit card, a bank account via Plaid, or use micro-deposits.

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Written by Mothership
Updated over a month ago

Adding your first payment method

Adding a payment method is required for booking shipments. Review the options below, then log in and visit Settings to add your desired payment method. It's access by clicking the up arrow in the top right corner of your dashboard.

Note that only those with a manager or accountant role are able to add/update payment methods.

Once you're in settings, you can select the billing tab - you'll see payment methods available and you can easily add a new bank account or credit card.

Option one (recommended): Link a bank account (ACH)

Mothership has partnered with major banks to securely connect and authenticate your bank account in seconds.

Adding a bank account ensures zero transaction fees and prevents hitting credit card limits for more costly shipments.

We partner with the following banks for easy billing:

Mothership protects all bank account transactions through Plaid. Plaid makes setting up bank payments faster, easier and more secure. Users enter their online credentials and Plaid instantly authenticates their account. Plus in the US, Plaid works with any ACH processor (including Stripe and Dwolla) to simplify bank-to-bank payments.

Option two (recommended): Link a bank account (ACH) by confirming Micro-deposits


Don't see your bank listed or do not have access to your banking credentials when signing up for ACH? Mothership allows you now to verify micro-deposits.

Step one: Enter your bank routing number and account number. Mothership does not store this information; it will be securely stored by our payments provider Stripe. Do not know how to find your routing number?

Here are some helpful links:

User-uploaded Image

Step two: You'll receive two identical micro deposits under $1 to the account provided above. Please enter the amounts of each micro-deposits here to complete the connection of your bank account.

Once the micro-deposits have been received, please enter the amount for each micro-deposit to verify and the bank account attached.

Option three: Use a credit or debit card

Mothership accepts most major credit cards. A 2.9% processing fee will apply to all credit and debit card transactions.

Mothership protects all credit and debit card transactions through Stripe. Stripe allows us to securely accept payments backed by highly scalable infrastructure built from the ground up for redundancy, security, and velocity. Stripe is certified to the highest industry standards and has obtained regulatory licenses around the world.

Mothership does not typically offer terms for shipments - we only accept the aforementioned payment methods. However, if your freight shipping spend exceeds $500,000 yearly, please contact support in y our online dashboard to discuss further.

International credit cards

UnionPay provides a secure, internationally accepted method of payment, and we’re proud to offer this new option to our customers. Additional international payment methods are coming soon.

How do I add UnionPay as a payment method?

Adding UnionPay is as easy as adding any other credit card. Simply navigate to your account settings, select “Add Payment Method,” and follow the prompts to enter your UnionPay card details.

What are the fees for using UnionPay?

For UnionPay transactions, the following fees apply:

  • Credit card processing fee: 2.9%

  • International card fee: 1.5%

  • Currency conversion fee (if applicable): 1%

Which cards can be used on UnionPay network abroad?
First, cardholders must check if overseas acceptance service has been activated for their cards by calling the UnionPay customer service center (95516) or the customer service center of the issuing bank. All cards with the UnionPay logo, including debit, credit, and semi-credit cards, are acceptable overseas.

Adding multiple payment methods

Multiple payment methods can be added to a single account. Once the initial payment method has been established, log in and navigate to Billing > Payment settings to add your additional payment methods.

Changing a Payment Method

If you've established multiple payment methods, you can easily change your desired source of payment. Log in and navigate to Billing > Payment Method, then select the bank account or card that suits your needs.

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