Save time and money

Spend management for your entire fleet operation. From fuel to spare parts to driver payroll: we handle it all. Flexible credit let’s you pay your bills when and how you want.

Three cards. One spend management system.

Drivers require steep fuel discounts and strong spend controls. Fleet owners require flexible credit and cash back on purchases. Make payroll fast and easy.

On the road

The Fleet fuel card is so much more than a fuel card. It meets all driver needs on the road. Not to mention, our fuel discounts are best in class.

In the office

Designed for the fleet manager or owner, the Business Expense card offers cash back on all purchases and offers flexible ways to pay off larger purchases.

Payroll made easy

Paying drivers and distributing per diem funds has never been this easy.

Your new best friend when you’re on the road

### Deepest discounts and 
the broadest network

Save on every mile with leading fuel discounts at over 4,000 truck stops and over 30,000 gas stations, plus savings on maintenance, tires, and other essential fleet expenses.

### $250,000 fraud 
prevention guarantee

We block fraudulent transaction attempts before they occur to save you the headache. We’re so confident in our fraud elimination technology, we’ll back it up with a $250,000 guarantee.*

*Fraud guarantee when you connect your AtoB account to your vehicle telematics system

Generous credit

Access the funding you need to keep your fleet moving with credit for fuel, parts, insurance and more. And we help you build your credit score by reporting timely repayment to the credit bureaus.

Powerful spend controls

Accepted everywhere thanks to Mastercard and Visa, you control how and where the card can be used by drivers. Available spend controls include:

• Time/day
• Merchant and location whitelist/blacklist
• Product category
• Lowest cost fuel within a geofence

AI powered spend insights

Get the most out of your spend with our models that provide driver coaching and incentives for efficient fueling, vehicle predictive maintenance and trip profit improvement opportunity.

Simple program management

Issue cards, manage spend controls, and track all your spending in one easy-to-use dashboard that reduces admin work and saves you time.

Finance automation

Close your books in minutes. Built-in accounting integration, automated expense categorization and automated IFTA filing make managing a fleet business easier.

Save even more with driver incentives

Want to make sure drivers fill up at lower cost fueling sites? Use our built-in driver cash incentive tool to pay drivers a portion of the incremental savings each time they make a smart fueling decision.

Learn more

Three cards, one powerful spend management solution:  Fleet card, Business Expense card and Payroll card

Fleet Card

On the road

• Any/all types of fuel including EV charging
• Strong controls to manage spend with the flexibility you require to handle one-off and emergency situations
• Detailed analysis on every purchase powered by AI insights
• $250,000 spend fraud protection

Good for

Business Expense Card

In the office

• Use for fleet business operating expenses
• No spend controls
• Access on-demand working capital to split purchases into weekly payments
• 1% cash back on all purchases

Good for

Payroll Card [coming soon]

Payroll made easy

• Send payroll funds instantly
• [Optional] Push cash rewards to drivers for making low-cost fueling decisions

Good for

Frequently asked questions

Can I use AtoB’s Fleet card on more than just fuel?

Yes. AtoB’s Fleet card is accepted at 99%+ of gas stations and truck stops, enabling widespread fuel and non-fuel acceptance. The AtoB Fleet card can also be used for vehicle related expenses including maintenance, tolls, tires, and much more. You can easily set your own rules and restrictions on what spend limits, locations and product categories you want the AtoB Fleet card to be used for. And you can change the restrictions simply and at any time with one click.

Can I port my fleet’s existing discount to the AtoB card?

Yes, AtoB can port your fleet’s existing fuel discount.

How does your fraud prevention guarantee work?

We indemnify up to $250,000 based on eligibility and fleet size. Our fraud and fuel theft prevention suite stops fraudulent use of the AtoB fuel cards before fraud happens. AtoB cards can be locked by default, and can only be unlocked by authorized drivers and fleet admins.

This prevents any kind of cyber fraud, card skimming, or other stolen card use, as the cards and card info is unusable without the unlocking action.

With telematics integration, we can validate GPS location of the vehicle being fueled and the merchant where fuel is being purchased, as well as dynamically modify authorizations based on the vehicle's fuel tank level. This prevents theft from authorized users who are bad actors.

How do I add or change a spending limit or rule on the spend card?

Fleet managers can easily - across all cards, groups of cards, or for a single card, driver, or vehicle - perform the following actions directly from the Customer dashboard:

• Set spend limits, including per transaction, daily, and weekly limits.
• Set operational hours to specify days of the week / hours of the day for which cards should be activated for fleets that use shifts or only operate during certain times.
• Manage category restrictions: Limit purchases to specific merchants, or block purchases at specific merchants, for finer controls based on the Merchant ID.
• Manage out-of-network acceptance: Limit purchases to in-network locations only; or allow access to out-of-network merchants. ‍
• Manage merchant restrictions: Limit purchases to specific merchants, or block purchases at specific merchants, for finer controls based on the Merchant ID.

What type of reporting do you provide?

AtoB provides fleet managers with access to detailed reporting tools to eliminate fuel theft, benchmark vehicle and driver performance and costs, improve fuel economy and routing efficiency, and manage their fleet’s cost of fueling. A robust set of data is captured for each transaction:

• Merchant data: Merchant category, merchant name and brand, street address, and latitude/longitude.
• Purchase data: Total purchase amount, fuel type/grade, fuel cost per gallon, number of gallons, and receipt line item details for non-fuel purchases.
• Telematics data: Vehicle location at time of purchase, vehicle fuel tank levels before and after fueling event, driver location at time of purchase (opt-in).
• Pricing data: Retail and discounted price per gallon at the selected station and any nearby stations at time of purchase.

Fleet managers can download detailed transaction reporting by time period and by card, driver, vehicle, or department; and access summarized reports and insights on suspicious transactions, optimal fueling opportunities, and driver/vehicle performance benchmarking on their dashboard.

For OTR customers who are required to file a quarterly IFTA report, fleet managers can:

• Download a report of IFTA-eligible transactions, including gallons purchased by vehicle by jurisdiction.
• Automatically send data for IFTA-eligible transactions to their integrated telematics platform such as Samsara, to automate preparation of their IFTA filing with vehicle and purchase data.

Can I assign a card to a driver or a vehicle?

Yes. You can choose to assign a fleet card to a driver or to a vehicle. Our system allows either.

Do you ingest receipts and categorize spend?

Yes. Drivers can take a photo of their receipt and we digitally ingest the receipt and categorize the spend into various categories. This makes reconciliation easy.

Does the Fleet card work at EV charging stations?

Yes. Any EV charging station that supports Mastercard or Visa will work with AtoB. If the station has its own app that requires linking a payment method, you can link your AtoB Fleet card.

What are the primary differences between the Fleet card and the Business Expense card?

The fleet card was designed to be used by drivers during their work shift. The card can be set with multiple different controls so that the driver cannot make unauthorized purchases on food, entertainment or personal items. The fleet card provides most fleets with weekly credit to purchase fuel.

The Business Expense card was designed for a fleet manager or fleet owner. The card does not have spend controls. It offers cash back on every purchase. The Business Expense card offers the fleet manager or owner credit for larger non-fuel purchases such as tires, insurance, maintenance, vehicle payments and more.

Both the Fleet card and the Business Expense card log all spend transactions to the AtoB Spend Insights reporting product to facilitate spend reconciliation, analysis and integration with your preferred accounting system such as Quickbooks.