Credit & Payment Information
Establishing Credit
Customers who anticipate recurring shipments may apply for credit with Union Pacific Railroad. Extension of credit requires the completion of a UP Credit Application.
Union Pacific Credit Application Online Request
Customers who have not established credit with, or who are awaiting credit approval from, Union Pacific Railroad Co. must pay for their shipment prior to delivery. A completed application must be received before credit can be granted.
- Terms
Credit terms are 15 days from the freight bill date as outlined in the Uniform Freight Classification 6000-L Note 62. - Notification of Status
Notification by e-mail will occur within 48 hours after submission of the credit application. The appropriate UP Sales representative is copied on all correspondence.
Payment Methods
Option 1: Web Payment Option
The most preferred option of paying for shipments is Account on the Web (AOW). AOW offers customers the ability to manage/access their invoices at any time, electronically transmit dispute information and initiate payments online via ACH. For more information or to set up an account for your business, call 1-877-712-4687.
View the Account on the Web Demo.
Option 2: ACH Debit
ACH Debit requires that customers contact the Account on the Web Support Team at 1-877-712-4687 for further instructions.
Option 3: ACH Credit/Electronic Payments
To pay electronically, call 402-544-7887
Option 4: Check
For regular mail:
If you have a copy of your freight bill, please remit to the address listed on your freight bill or call 1-800-925-6396 for your specific lock box address.
If you do not have a copy of your freight bill, please remit to:
Union Pacific Railroad
P.O. Box 502453
St. Louis, MO 63150-2453
For express mail (FedEx, DHL, Airborne) send to:
Bank of America
Attention: Union Pacific Railroad, Box 502453
St. Louis, MO 63150-2453
Please include equipment ID, invoice number and name of company making remittance.
Payments to Union Pacific Affiliates
Payments to Union Pacific affiliated companies, including Union Pacific Distribution Services (UPDS), UP de Mexico (UPDM), and Port Terminal Railroad Company (PTRR), should be sent to the proper affiliate.
Late Payment Finance Charge Policy
Union Pacific will assess a monthly finance charge for freight bill payments made beyond specified credit terms. The credit term is typically specified in customers' governing tariffs, transportation contracts or in other quotation documents. More information can be found on the Late Payment Finance Charge Policy page.