Integrated Fleet Payments Platform Aims to Improve Spending Control
AtoB, a financial technology company focused on modernizing payments for the transportation industry, has announced that the Geotab Fleet Card is powered by AtoB’s payments platform. The card, recently launched by Geotab, a global provider of connected operations, video telematics, and artificial intelligence-powered insights, combines payment management with vehicle data to help fleets control expenses and improve operational efficiency.The integration makes Geotab the first fleet management platform to embed AtoB’s payments technology directly into its system. Through this collaboration, eligible U.S. fleets can manage fuel purchases and other vehicle-related expenses while using real-time vehicle information to verify transactions before they are authorized.
The Geotab Fleet Card supports spending controls across 13 categories, including fuel, maintenance, towing, and tolls. It also provides access to AtoB’s fuel discount network and a fraud guarantee for eligible transactions that meet the program’s telematics verification requirements.The solution is designed for fleets of different sizes and vehicle types, ranging from light-duty vans and pickup trucks to heavy-duty Class 8 commercial trucks. By combining vehicle intelligence and payment controls within one platform, the companies aim to reduce unauthorized spending, simplify expense management, and help operators make more informed purchasing decisions.
Connecting Vehicle Data With Financial Transactions
Fleet operators have traditionally managed vehicle operations and financial transactions through separate systems. Fleet management software provides information about vehicle locations, fuel levels, maintenance requirements, and operating activity. Financial systems, meanwhile, record purchases and expenses, often requiring managers to review transactions after they have occurred.This separation can make it difficult to identify unauthorized purchases immediately. A transaction may appear legitimate on a payment statement even when the vehicle was not present at the fueling location or the amount of fuel purchased does not match the vehicle’s requirements.
The Geotab Fleet Card is designed to address this challenge by connecting payment authorization with vehicle information. Geotab provides the vehicle data and fleet rules used to assess transactions, while AtoB supplies the card program, payment infrastructure, spending controls, and fuel discount network.When a driver attempts to purchase fuel, the system can evaluate the transaction against the relevant vehicle information and authorization rules. Purchases may be declined if the vehicle is not at the merchant location, the tank does not have sufficient capacity for the proposed fuel purchase, or the transaction violates an approved spending restriction.
Transactions that satisfy the applicable requirements can proceed through the authorization process. This approach gives fleet managers an opportunity to prevent certain unauthorized expenses before the payment is completed rather than relying solely on reviewing statements afterward.The same general approach applies to non-fuel purchases, including maintenance, towing, and tolls. Fleet administrators can establish restrictions according to spending categories, transaction amounts, approved times, and locations.
AtoB and Geotab Bring Payment Controls Into One Platform
The integration represents an expansion of the way payment services can be delivered through fleet management software. Instead of requiring operators to move between separate systems to review vehicle activity and spending, the Geotab Fleet Card brings key payment functions into the Geotab platform.According to Jacob Thomas, Vice President of Partnerships at AtoB, fleet management platforms already provide information about vehicle locations and operational requirements, but payment systems have not traditionally acted on that information at the point of purchase.
Thomas said the integration enables transactions to be checked against vehicle data in real time while allowing fleets to benefit from discounted fuel purchases at participating stations.He also highlighted the potential application across different operating environments, from local businesses using vans and pickup trucks to long-haul transportation companies operating heavy-duty vehicles across the United States.
AtoB said its broader strategy is to make payment technology available within the software transportation businesses already use in their daily operations. The Geotab integration is the first implementation of this approach for the company’s embedded payments platform.Steven Berube, Vice President of Sales at Geotab, said fuel remains a significant operating expense for commercial fleets and that operators need more effective tools than monthly statements to manage these costs.
Berube explained that the partnership combines vehicle intelligence, payment controls, and access to fuel discounts in one experience. The objective is to help fleet operators prevent unauthorized purchases and make better-informed fueling decisions.
Spending Controls Across 13 Categories
The Geotab Fleet Card offers customizable spending controls intended to help businesses manage expenses across fuel and non-fuel categories.Fleet administrators can configure rules based on dollar limits, timeframes, locations, and merchant categories. These settings allow businesses to establish purchasing permissions that reflect their operating requirements and internal expense policies.
For example, a company may establish limits for fuel purchases, restrict transactions to approved operating hours, or limit certain types of spending to designated locations. Separate controls can be applied to maintenance, towing, tolls, and other supported categories.The system is intended to give fleet managers greater visibility into how company funds are used while allowing drivers to complete authorized purchases needed to keep vehicles moving.
Managing these expenses through one card and platform may also reduce the administrative burden associated with monitoring multiple payment methods. Instead of reviewing different systems for fuel, repairs, and road-related expenses, operators can use a more consolidated approach to expense management.The platform supports 13 spending categories, although the specific controls available to an individual account depend on the applicable program rules and configuration.
Fuel Purchase Verification Helps Prevent Unauthorized Spending
Fuel is one of the major operating expenses for many transportation companies, making it an important area for expense control. Unauthorized transactions, purchases that exceed vehicle requirements, and spending outside company policies can increase operating costs and create additional work for finance teams.The Geotab Fleet Card uses vehicle information and fleet-defined rules to assess fuel transactions during authorization.
The system can decline a purchase when the vehicle is not located at the merchant, the proposed fuel quantity exceeds the available tank capacity, the transaction occurs outside approved hours, or another applicable fleet rule is not satisfied.This process is intended to reduce opportunities for unauthorized fueling and help businesses identify potentially problematic transactions before payment approval.
For legitimate purchases, the card also provides access to AtoB’s fuel discount network. This combines transaction controls with potential fuel savings, allowing participating fleets to address both spending risks and fuel costs through the same solution.The companies position the integration as a way to bring financial decisions closer to actual vehicle operations. Rather than treating payment information as a separate accounting record, the system uses vehicle-related information to inform authorization decisions.
Fuel Discounts Across Truck Stops and Local Gas Stations
In addition to spending controls, the Geotab Fleet Card provides access to AtoB’s wholesale fuel discount network. The network is intended to support both long-haul trucking businesses and fleets operating primarily in local markets.According to AtoB, cardholders save an average of 42 cents per gallon and can receive discounts of up to $2.50 per gallon at more than 4,200 diesel truck stops. At approximately 30,000 local gas stations, cardholders receive an average discount of 5 cents per gallon on unleaded fuel.
These figures are based on realized savings across AtoB customer transactions at participating merchant locations during the first half of 2026. The maximum discount represents the highest realized savings per gallon reported for diesel transactions during that period, rather than a guaranteed discount available at every location.
Actual savings may vary depending on the merchant, location, fuel type, transaction, and applicable discount.For trucking companies, even modest reductions in the cost of fuel can have an impact on operating expenses when vehicles travel long distances and consume large quantities of diesel. Local service fleets may also benefit from discounts on gasoline purchases made during daily operations.By combining the discount network with vehicle-based transaction verification, the Geotab Fleet Card is designed to help businesses manage fuel purchases while identifying opportunities to reduce costs.
Fraud Guarantee for Eligible Transactions
The payment solution also includes a fraud guarantee provided by AtoB for eligible accounts. Under the program, qualifying transactions may be covered up to $250,000 when they satisfy the required telematics verification conditions.The guarantee is intended to provide additional protection for eligible fleets against specified fraudulent transactions. Its application is subject to the program’s eligibility requirements, exclusions, and claim procedures.
Telematics verification is central to this offering because it links payment activity with vehicle information. This can help establish whether a transaction meets the program’s verification requirements.
The guarantee does not automatically apply to every transaction or every account. Fleet operators must review AtoB’s applicable platform terms to understand the conditions for coverage and the procedures for submitting a claim.Together, the spending controls, vehicle verification, and fraud guarantee are intended to strengthen financial oversight for businesses managing multiple vehicles and drivers.
Transaction Management and IFTA Reporting Within Geotab
The Geotab Fleet Card also brings payment-related information into the fleet management environment. Geotab customers can access transaction data, approvals and declines, card management functions, and International Fuel Tax Agreement (IFTA) reporting within the platform.IFTA reporting is relevant to qualifying commercial motor carriers that operate across participating jurisdictions and must report fuel use and related tax information. Making this information available alongside fleet data can help operators organize their records and manage reporting activities.
Access to transaction details and authorization outcomes can also help fleet managers understand how spending rules are working in practice. Businesses can review declined transactions, monitor expenses, and manage cards without treating payment administration as an entirely separate process.The integration is intended to give fleet operators a more unified view of vehicle activity and related spending. By bringing these functions together, the companies aim to reduce the need to switch between separate tools for operational monitoring and financial management.
One Payments Infrastructure for Fuel and Other Fleet Expenses
AtoB already integrates with fleet management systems to help businesses view spending alongside vehicle activity. The Geotab Fleet Card takes this approach further by embedding AtoB’s card issuance, spending controls, and fuel discount network directly into Geotab’s platform.AtoB and its issuing bank partners operate the card program, while Geotab provides the fleet management environment and vehicle intelligence used to support transaction decisions.
The card operates on the same AtoB payments platform that supports instant payments and access to capital for AtoB’s fleet customers. This infrastructure is designed to support fuel and non-fuel spending through a shared payments system.
For transportation businesses, the integration reflects a broader move toward connecting operational software with financial services. Combining these functions may help fleet managers apply spending policies more consistently, improve visibility into expenses, and make purchasing decisions based on current vehicle information.The companies have indicated that fuel is the initial focus of the embedded payment approach, with the underlying technology providing a foundation for managing other fleet-related purchases through the same environment.
About AtoB
AtoB is a financial technology company focused on modernizing payments for the transportation industry. The company provides payment and financial management solutions for fleets of different sizes, from local operators to long-haul trucking businesses.Its offerings include fuel cards, digital wallets, and spending management tools designed to help transportation companies manage expenses, access fuel discounts, and simplify payment processes through a unified platform.
AtoB’s services bring fuel purchases, tolls, repairs, and other business expenses into one environment, giving fleet owners greater visibility into transactions and access to real-time spending alerts. The company also integrates with fleet management systems to help businesses connect financial activity with vehicle operations.In addition, AtoB reports to business credit bureaus, helping participating fleets establish business credit histories and potentially access financing opportunities as they grow.
The company serves national carriers, regional transportation businesses, and independent operators seeking tools to manage spending and support their daily operations.Through its integration with Geotab, AtoB is extending its payment technology into a fleet management platform, bringing transaction verification, spending controls, fuel discounts, and payment management closer to the operational systems used by transportation businesses.
About AtoB
AtoB is a financial technology company modernizing payments for the transportation industry. It helps fleets of all sizes, from local operators to over-the-road drivers, save on fuel, streamline expenses, and build credit through its fuel card, digital wallet, and spend management tools, all on one secure, easy-to-use platform.
By bringing fuel, tolls, repairs, and other business spending into a single place, fleet owners gain real-time visibility and control, including instant spend alerts and integrations with leading fleet management systems. The company also reports to business credit bureaus, helping fleets build credit and unlock new growth opportunities over time. Thousands of fleets, including national carriers, regional haulers, and independent operators, rely on the platform to spend smarter, go further, and grow stronger
About Geotab
Geotab is a global leader in connected operations, video telematics and AI-powered insights. Trusted by more than 100,000 customers – from small and mid-size fleets to Fortune 500 enterprises and public-sector organizations, including the U.S. federal government – Geotab connects approximately 6 million vehicles and assets and processes 100 billion data points daily. With ISO/IEC 27001:2022, SOC2, FIPS 140-3 and FedRAMP authorizations, Geotab’s open platform and partner ecosystem unify safety, compliance and operations in a unified system. Our mission: a safer, more efficient and more sustainable world in motion