Leasing Transaction Model (Basic vs. Protected transaction)

As a supplier on xChange, you can now choose between two transaction models for your container leasing deals:

1. Basic transaction model (0.75% fee)
2. Protected transaction model (3.85% fee)

You select which model to apply before starting a direct negotiation, during the negotiation, or right before accepting the deal.

You can not change the Model after accepting! Whichever model you pick affects the coverage, fee, and whether the Container Leasing Limit is enforced.

Basic Transaction Model (0.75% Fee)

When to Consider the Basic Transaction Model

• You have a trusted, established relationship with the user—or you’ve reviewed their performance data on their company profile on xChange and feel confident they’ll pay.
• You want to keep fees minimal and are ready to absorb 100% of the risk if something goes wrong (e.g., non-payment, lost container).
• The container value is relatively low, or you strongly trust the partner’s reliability based on their transaction history and company performance metrics in their xChange company profile.

Key Benefits

1. Low Fee (0.75%)
   • Since there’s no coverage included, the transaction fee is notably lower than 3.85%.
2. No Container Leasing Limit
   • Under the Protected transaction model, users can only lease containers up to their maximum Container Leasing Limit that xChange assigns to them based on their operational and financial performance.
   • Here, there’s no limit—meaning you can lease out as many units as you want. But xChange will not restrict or reduce your risk exposure, you have to manage this yourself.
3. Automated Invoicing & Payment
   • xChange takes care of invoicing and collects payments on your behalf—however, there’s no guarantee of recovery if the user defaults. Payments are only credited to your account once the user has paid. 
4. Cancellation Protection
   • If the other party cancels and pays the cancellation fee, you receive $50 per container.
   • If they don’t pay, xChange doesn’t cover that shortfall under Basic.
5. Claims & Dispute Support
   • You can still use xChange’s dispute resolution services to help mediate disagreements.
   • There is no financial coverage if the user fails to pay or return containers.

The basic model is for transactions with your trusted partners - enabling you to enjoy the benefits of xChange's automated invoices and operational support at a lower fee.

Important: No Coverage Under Basic

With a Basic transaction model, xChange provides no payment guarantee or container-loss coverage. If the user defaults, the full risk is on you.

Protected Transaction Model (3.85% Fee)

When to Consider the Protected Transaction Model

• You’re dealing with a new or unknown user and want payment assurance.
• You can’t afford unpaid invoices.
• You want xChange to enforce a Container Leasing Limit so the user can’t overextend.
• You prefer stronger asset protection options, including a $25,000 default protection and 365-day DRV guarantee.
• You want faster in-app cashflow: as soon as your user has picked up all containers of a deal, xChange credits all pick-up fees of that deal to your xChange Wallet, letting you offset or pay for other xChange services right away (e.g. pay your subscription, lease units yourself or Buy Containers inside the Trading Marketplace).

Key Benefits

1. Payment Guarantee
   • xChange ensures your payout is covered. If the user fails to pay, xChange covers the invoice and handles recovery.
2. Container Leasing Limit Enforcement
   • Under Protected deals, users have a maximum Container Leasing Limit. This reduces the chance of overexposure or unexpected defaults on large volumes.
3. $25,000 Default Protection for asset value
   • If the user defaults and your containers are lost or significantly damaged, xChange compensates you up to $25,000 per partner (subject to 25% deductible).
4. 365-Day DRV Guarantee
   • If the user hasn’t returned your container(s) after 365 days, xChange can cover the Depreciated Replacement Value (DRV)—subject to the policy terms (25% Deductible)—helping protect you against prolonged non-returns.
5. Improved cash flow 

• Once the user picks up all containers in a protected deal, your pick-up fees go straight into your xChange Wallet. You can use these credits immediately for other xChange activities (like buying containers or offsetting other charges), instead of waiting for the user’s payment cycle.

6. All Basic Features Included
   • You get automated invoicing, $50/container cancellation fees if users cancel deals on you and dispute resolution.

Why the Higher Fee (3.85%)?

Paying more covers:

• Payment guarantee and default management
• Enforcing the user’s Container Leasing Limit
• $25,000 default coverage
• 365-day DRV guarantee if containers remain unreturned

All of this significantly reduces your exposure to risk.