Semantic Coherence: AtoB – Signal Evidence & AI Readability

AtoB for Fleets
[H2] All Fleets Great and Small (and OTR and Local)
AtoB’s technology powers smarter, faster, and more secure operations for fleets of every size—whether you’re running one vehicle or thousands.Select fleet type:Local FleetsOTR FleetsMixed FleetsPowerful yet flexible spend controlsControl where, on what, and how much your drivers can spend.
[IMG: Powerful yet flexible spend controls]
AI-powered fleet insightsTurn spend history into insights you can use.
[IMG: AI-powered fleet insights]
Advanced program managementSet spending limits, add operational hours, disable cards, and whitelist or blacklist merchants in just a few clicks. ‍Eliminate spend fraud: $250,000 guarantee.Block transactions that occur outside of a vehicle's vicinity or exceed its tank capacity. Track fuel levels to ensure no non-employee vehicles are fueled.*Fraud guarantee when you connect your AtoB account to your vehicle telematics systemSteep fuel discountsSave 42¢ on average and up to $2.00 per gallon at the stations you fuel at most.
[IMG: Steep fuel discounts]
Buy now, pay laterSplit large purchases on your Fuel Card like tires, insurance, and repairs into 4 weekly payments instead of all at once.
[IMG: Buy now, pay later]
Eliminate spend fraud: $250,000 guarantee.Block transactions that occur outside of a vehicle's vicinity or exceed its tank capacity. Track fuel levels to ensure no non-employee vehicles are fueled.*Fraud guarantee when you connect your AtoB account to your vehicle telematics systemAdvanced program managementSet spending limits, add operational hours, disable cards, and whitelist or blacklist merchants in just a few clicks.‍‍One card for all fuel typesOne card that supports high flow diesel, gas and EV.s.
[IMG: One card for all fuel types]
Powerful yet flexible spend controlsManage all expenses, seamlessly.
[IMG: Powerful yet flexible spend controls]
AI-powered fleet insightsTurn spend history into insights you can use.
[IMG: AI-powered fleet insights]
Advanced program managementSet spending limits, add operational hours, disable cards, and whitelist or blacklist merchants in just a few clicks.‍Eliminate spend fraud: $250,000 guarantee.Block transactions that occur outside of a vehicle's vicinity or exceed its tank capacity. Track fuel levels to ensure no non-employee vehicles are fueled.*Fraud guarantee when you connect your AtoB account to your vehicle telematics system

AtoB for Factors
[H1] Make every invoice more profitable
Fleets move faster, spend smarter and save while you grow your revenue and profit. Fund your carriers instantly 24/7/365 and grow your margin 50%-100%Partner with us todayThank you! Your submission has been received!Oops! Something went wrong while submitting the form.
[IMG: Easy implementation]
Easy implementationPlug right into your existing funding workflow instantly, set up in less than a day
[IMG: Delight Carriers]
Delight CarriersEvery time fleets spend, you generate revenue.
[IMG: Customized to your business]
Customized to your businessYour brand, our expertise: Offer carriers more with the best spend cards out there.
[H2] Move money in minutes, even nights, weekends & holidays
Carriers get money in minutes to their preferred bank account, 24/7/365. You capture more profit.
[H3] Simple set up
Works seamlessly with your existing FMS and invoice audit service
[IMG: Simple set up]
[H3] Payouts in minutes
Carriers get money in under 2 minutes, not hours or days.
[IMG: Payouts in minutes]
[H3] Goodbye to cutoff times
Factored funds are available instantly, 24/7/365—even nights, weekends and holidays. No banking hours required.
[H3] Easy for carriers
Instant transfer to the carrier’s preferred Bank Account, Debit Card, Zelle, Venmo, or PayPal account.
[H3] Advanced fraud protection
Use telematics and GPS to validate invoices before payouts, protect your margin ansd boost fleet trust.
[IMG: Advanced fraud protection]
[H2] Why Instant beats Wire
AtoB's partner program gives your fleets access to fuel discounts, instant payments and so much more—all under your brand75%of carriers choose an instant pay option120more payment days per year
[H3] We can send payments instantly, even late at night or weekends, which keeps our business running smoothly.
[IMG: Matthew Johnston: Owner & President, AJL International]
Ariana LimaOwner & PresidentLima Express LLC
[H3] Keep earning beyond the invoice
With AtoB’s suite of card products, revenue doesn’t stop at the invoice. Each swipe drives profit for you and savings for carriers. No extra integrations required.Fuel CardNationwide acceptance with industry-leading discounts, GPS controls, and fraud protection. Carriers save at the pump, you earn on every gallon.Business Expense CardCover repairs, tolls, insurance, and more. Carriers earn 1% cashback while you earn 0.5% on every non-fuel purchase.Driver Payroll CardPay drivers instantly with no third-party fees. Carriers cut payroll costs and you stay central to their operations.
[H3] 100% increase in profit per invoice
Turn every funded invoice into more profit.
[H2] Frequently asked questions
[H3] What are the main value propositions to a carrier in adopting the AtoB digital wallet?
Speed, Availability, and Choice. Speed, get access to your funds as soon as your invoice is purchased. Availability, receive and transfer money 24/7, 365 days per year. No cutoff windows, no restrictions around sending and receiving money on holidays and weekends. Choice, choose from multiple transfer options including Instant bank account transfers, push-to-card, Zelle, Venmo, and PayPal.
[H3] What are the main benefits to a Factoring company to adopt the AtoB digital wallet?
Carrier Experience (get money faster without cut off times).Operational simplicity (here's how it makes your ops team's life easier).Monetization potential (here's how you'll make more money as a factor).
[H3] How does AtoB's Wallet facilitate instant payments?
RTP, Debit Card (Checking Account), Zelle, Venmo, PayPal
[H3] How much does it cost a carrier to process an instant payment?
Fees are customizable, but typically range from a flat $25 to 1%.
[H3] How much does it cost to process an ACH using the AtoB digital wallet?
This fee is set individually by each Factoring company, typically matching the fee you already charge your carriers for this service.
[H3] Can a carrier pay their drivers or other vendors using the AtoB digital wallet?
Yes, funds are available instantly in the AtoB digital wallet and carriers are able to pay themselves, drivers, and other vendors just like they could from any business bank account though with even greater choice as to the payment speed and provider (e.g. Zelle).
[H3] Where is the AtoB Fleet Card accepted?
The AtoB Fleet Card is accepted at over 99% of truck stops across the nation.
[H3] Where does the AtoB Fleet Card receive discounts?
The AtoB Fleet Card discount network encompasses more than 3,000 truck stops across the US with average discounts of 42¢/gal at TA, Petro, 7-Eleven, Racetrac, Speedway, Maverik, Casey's, Sapp Bro's, and more.
[H3] Can the AtoB Fleet Card be used for more than just fuel?
Yes, by default the AtoB Fleet card can be used for fuel and non-fuel expenses as long as these non-fuel categories are enabled by the fleet's owner or fleet manager.
[H3] Does the AtoB Fleet Card offer carriers credit?
Yes, the AtoB Fleet Card offers weekly lines of credit to qualifying carriers with a prepaid option for those carriers still building their business credit?‍
[H3] How does the AtoB Fleet Card prevent theft and fraud?
The AtoB Fleet Card has granular card controls to help fleets configure their purchases including transaction limits, operating hours, and merchant exclusions. We also integrate directly with leading Telematics providers to use both GPS and fuel level data to prevent theft and fraud.
[H3] Does AtoB provide sales and marketing support?
Yes, AtoB provides direct sales and marketing support to help you maximize the revenue earned from your fuel program.
[H3] Can the AtoB Fleet Card be branded with my company's name and logo?
Yes, both the card and portal can be updated with your logo.‍
[H2] From invoice upload to cash in hand. Instantly.
Set up Instant Pay and launch your branded spend cards today.Partner with us today

[H2] Learn more
Three cards, one powerful spend management solution:  Fleet card, Business Expense card and Payroll card
[IMG: Fleet Card]
Fleet Card
[H3] On the road
Any/all types of fuel including EV chargingStrong controls to manage spend with the flexibility you require to handle one-off and emergency situationsDetailed analysis on every purchase powered by AI insights$250,000 spend fraud protectionGood for
[IMG: Fuel]
Fuel
[IMG: Tolls]
Tolls
[IMG: Lumpers]
Lumpers
[IMG: Weigh Station]
Weigh Station
[IMG: Towing]
Towing
[IMG: Lodging]
Lodging
[IMG: Business Expense Card]
Business Expense Card
[H3] In the office
Use for fleet business operating expensesNo spend controlsAccess on-demand working capital to split purchases into weekly payments1% cash back on all purchasesGood for
[IMG: Tires]
Tires
[IMG: Fleet Parts]
Fleet Parts
[IMG: Fleet Services]
Fleet Services
[IMG: Permits]
Permits
[IMG: Rent]
Rent
[IMG: Insurance]
Insurance
[IMG: Payroll Card [coming soon]]
Payroll Card [coming soon]
[H3] Payroll made easy
Send payroll funds instantly[Optional] Push cash rewards to drivers for making low-cost fueling decisionsGood for
[IMG: Driver Wages]
Driver Wages
[IMG: Driver Incentive]
Driver Incentive

[H5] ? Now free for 90 days: AtoB Premium gives your fuel card advanced security controls and powerful telematics-linked fraud defense.
[H1] A fuel card designed to make an impact
Rev up your savings with average discounts of 42¢ and up to $2.00 per gallon* and fraud prevention tools powered by advanced software.Start saving todayThank you! Your submission has been received!Back to HomeOops! Something went wrong while submitting the form.By submitting this form you agree to our Platform Agreement and Privacy Policy. You may receive SMS and auto-dialed call communications from us and can opt out at any time.
[IMG: A fuel card designed to make an impact]
[H2] Discounts of 42¢ on average and up to $2.00 per gallon* at the stations you fuel at most
[H4] Discounts are automatically applied on your statement when you make a fuel purchase with the AtoB Fuel Card.
[IMG: Discounts AtoB Fuel Card]
[IMG: Discounts AtoB Fuel Card]
[IMG: Discounts AtoB Fuel Card]
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[H2] Make a real impact on your fuel costs
[IMG: Security Features]
[H3] Security Features
Block transactions that occur outside of a vehicle's vicinity or exceed its tank capacity. Track fuel levels to ensure no non-employee vehicles are fueled.
[IMG: Competitive Discounts]
[H3] Competitive Discounts
Average discounts of 42¢ and up to $2.00 off per gallon* at stations like TA, Petro, TA Express, Rutter’s, Kwik Trip, Speedway, RaceTrac, and more. With deep discounts like these, you’ll make a real impact on your bottom line fuel costs.
[IMG: AtoB Fuel Map]
[H3] AtoB Fuel Map
Get a map of stations and fuel prices in the AtoB App and encourage your drivers to fill at the cheapest stations on their route.
[IMG: A smartphone displaying the AtoB app, showing spending limits and savings for a Mastercard fleet fuel card.]
[H2] Trusted and reviewed, tried and true.
[IMG: Trusted and reviewed, tried and true.]
[IMG: Trusted and reviewed, tried and true.]
[IMG: Trusted and reviewed, tried and true.]
[IMG: Trusted and reviewed, tried and true.]
[H2] Millions saved for local and over the road fleets
[H3] Cut Costs
Lower overall costs by combining discounts at 30,000+ stations with software designed for fleets. Plus, save on more than just fuel with AtoB’s partner network – AtoB Perks.
[H3] Gain Control
Control where, on what, and how much your drivers can spend. Set spending limits, add operational hours, disable cards, and whitelist or blacklist merchants in just a few clicks.
[H3] Embrace Convenience
Make vehicle related purchases anywhere Mastercard is accepted. Should an issue arise, our support team is available 24/7 with an average call-to-answer wait time of under 30 seconds.
[H2] Here’s how it works
[H3] Set Restrictions
Whitelist or blacklist specific merchants, add operational hours, activate or deactivate gas cards, set spend limits, add merchant category restrictions and more.
[H3] Secure Card Unlock
Help ensure only authorized users can use the card.
[H3] Telematics Integration to Validate Purchase Location
Opt-in to automatically decline transactions attempted over 100 meters from the authorized vehicle through Telematics and Transaction Blocking.
[H3] Optimal Gas Station Selection
Lock in the best fuel prices and select or ban specific fuel stop locations.
[H3] Telematics integration to track fuel level
Track all fleet vehicle's fuel levels and tank capacity. Block purchases that exceed a vehicle's tank capacity.Start applicationExplore productStart application
[H2] A platform built for fleets
Advanced software enhances service, security, and savings across your fleet.
[IMG: Purchase more than just fuel]
[H3] Purchase more than just fuel
Take advantage of our competitive partner network with discounts on tires, brakes, maintenance, vehicle washes, and more.
[IMG: Reporting and Tracking]
[H3] Reporting and Tracking
Gain complete visibility into every cent spent and saved. Track all digital receipts by card, location, or driver level and easily build custom reports.
[IMG: Seamless Integrations]
[H3] Seamless Integrations
Easily integrate your fuel management software and telematics providers to AtoB.
[IMG: Seamless Integrations]
[H3] Purchase more than just fuel
Take advantage of our competitive partner network with discounts on tires, brakes, maintenance, vehicle washes, and more.
[IMG: Seamless Integrations]
[H3] Reporting and tracking
Gain complete visibility into every cent spent and saved. Track all digital receipts by card, location, or driver level and easily build custom reports.
[IMG: Seamless Integrations]
[H3] Seamless Integrations
Easily integrate your fuel management software and telematics providers to AtoB.
[H2] The full circle solution
Incredible customer service, the latest tech, and user-friendly software.
[IMG: The full circle solution]
[IMG: AtoB Flex]
Quick and easy signup process with a designated account managerOn-demand, 24/7 customer supportComplete control and clarity of your fleet with our user-friendly softwareReal-time notifications for suspicious transactionsDetailed transaction logs and send reportsAtoB App to get your drivers the best prices at the most convenient locationsAnti-fraud & security features with Secure Card Unlock & TelematicsAccounting and IFTA supportGet started
[H2] Choose your smart fuel card
[H3] AtoB Flex
Credit fuel card product
[IMG: Visa Fuel Card]
Get startedPurchase fuel anywhere that accepts MastercardHelp prevent fuel fraud and unauthorized transactions with high-tech security features with AtoB PremiumCustom controls for more efficient fleet management with AtoB PremiumAverage discounts of 42¢ and up to $2.00 off per gallon* on truck diesel and 5¢/gal on unleaded with the AtoB Discount Network*$35 account set-up fee$15 per month for 1-5 cards and $3 per month for each additional card after 5$3 per month for AtoB Premium add on
[H3] AtoB Unlimited
Prefunded fuel card product
[IMG: Visa Prepaid Gas card]
Get startedGet approved regardless of credit scoreBuild small business creditSpend without limits and purchase fuel anywhere that accepts MastercardAverage discounts of 42¢ and up to $2.00 off per gallon* on truck diesel and 5¢/gal on unleaded gas purchases with the AtoB Discount Network*$35 account set-up fee$3 per active card per month $3 per month for AtoB Premium add onSee features breakdownsAtoB UnlimitedAtoB FlexPremium
[H3] AtoB Flex
$3 per card monthly$3 per month for AtoB Premium add onGet StartedGet StartedPremiumPremium is automatically applied to Unlimited cards for 3 months.
[H3] AtoB Unlimited
$3 per month for AtoB Premium add on$3 per card monthlyGet StartedGet StartedExperian reporting monthlyExperian reporting monthlyAverage discounts of 42¢ and up to $2.00 off per gallon* on truck diesel and 5¢/gal on unleaded with the AtoB Discount Network*Average discounts of 42¢ and up to $2.00 off per gallon* on truck diesel and 5¢/gal on unleaded with the AtoB Discount Network*☆ In addition to average discounts of 45¢ and up to $2.00 off per gallon*, save on average 21¢ per gallon through AtoB FuelMap by routing drivers to stations with the lowest prices for fuel*☆ In addition to average discounts of 45¢ and up to $2.00 off per gallon*, save on average 21¢ per gallon through AtoB FuelMap by routing drivers to stations with the lowest prices for fuel*Subject to approvalCan be authorized by defaultOne click card deactivation☆ Secure Card Unlock☆ Telematics (Suspicious charge alerts, instant notifications)☆ Fuel Level Reporting (Ensure purchases don’t exceed a vehicle’s fuel tank capacity)One click card deactivation☆ Secure Card Unlock☆ Telematics (Suspicious charge alerts, instant notification)☆ Fuel Level Reporting (Ensure purchases don’t exceed a vehicle’s fuel tank capacity)Add Daily/Weekly spend limit☆ Set operational hours☆ Whitelist merchantsAdd Daily/Weekly spend limit☆ Set operational hours☆ Whitelist merchantsIFTA reportingEasy export for accounting softwareIFTA reportingEasy export for accounting software☆ Multi-user dashboard logins available☆ Multi-user dashboard logins availableIn as little as 1-7 days, need proof of revenueNo bank info needed, quick decision on approval24/7 text and call support☆ Priority support (reduced wait times)24/7 text and call support☆ Priority support (reduced wait times)Optional add-onOptional add-on
[IMG: Add AtoB Premium to your card of choice]
[H3] Add AtoB Premium to your card of choice
A suite of enhanced tech features to add further security and convenience to your fuel card. Just $3 more per month. ☆ Optimal Station Selection to confirm drivers are fueling at the cheapest station on their route☆ Secure Card Unlock to help ensure cards are only used by authorized users☆ Telematics integration to help eliminate fraud and card misuse☆ Set operational hours☆ Whitelist merchants☆ Easy export for accounting software☆ Multi-user dashboard logins available☆ Priority support (reduced wait times)
[H2] Making fleets more successful
With AtoB security features, we’ve been able to prevent our drivers from using our fuel cards for personal expenses. Thanks to AtoB’s Telematics integration, SMS Unlock, and the ability to proactively decline suspicious transactions, we’ve been able to finally ensure the spend on our cards are only at approved merchants and on approved transactions. Due to AtoB’s SMS unlock and telematics integration features, we believe fuel card misuse has now gone to zero.Oliver Hahn, Head of Business Operations, KyteSwitching to AtoB was a breeze. We were able to easily onboard all of our 80 employees on the driver app and start using AtoB’s discount network to claim big discounts on fuel. Our customer success rep is always there when we need him and extremely responsive.Paul Stefano, GM of Dan King Plumbing Heating and Air ConditioningWe used both Fuelman and Comdata cards. They were confusing, it was hard to work with the invoices, cards would randomly shut down, and it would take hours just to speak to someone who rarely would be able to solve our issues. Switching to AtoB Unlimited has been a night and day difference. It’s like AtoB listened!Derrick Stotland, CEO, Stotland TruckingWith AtoB I have peace of mind. I’m not worried about possible fuel theft any more, which was a major issue over the past years because it’s virtually impossible to steal with AtoB. Your [AtoB’s] telematics integration and card unlock features make security easy and effective. This was always what we were looking for from a fuel card provider in the past, but have never been able to find it till we got with AtoB.Matthew Johnston, Owner & President of AJL InternationalStart applicationExplore productStart application
[H2] Experience our easy-to-use dashboard
Take a self-guided product tour
[H3] AtoB for local businesses
Learn more about AtoB’s fuel card for local and regional vehicles.
[H3] AtoB for over-the-road
Fuel card and instant payroll for interstate fleets and distance drivers.Learn more
[H2] FAQs
[H3] Have a question?
[IMG: Have a question]
[H2] How much can I save with a fuel card?
The AtoB Discount Network offers average discounts of *46¢ and up to $1.85 off per gallon on truck diesel at stations like TA, Petro, TA Express, 7-Eleven, RaceTrac, and more. Plus, average discounts of 5¢ off per gallon on unleaded at stations like Speedway, Casey's, Kwik Trip, Chevron, and many more.
[H2] Can fuel cards build credit?
Not all fuel cards build credit, but ours does! We regularly report to Experian because we know how important it is for small businesses to build credit.
[H2] What can you purchase with a fuel card?
With our fuel and business cards, you can save on gas you purchase without limits on discounts and rewards. You can also opt to use our Mastercard card for other vehicle-related expenses in addition to fuel expenses, including maintenance, tolls, tires, and more.
[H2] What is the point of a fleet fuel card?
Our fleet fuel cards exist to protect your business, save you money from fuel expenses, and provide you with all level 3 fueling data needed to run your fleet—including fuel type and volume for each transaction. AtoB is powered by Mastercard, so that you can make vehicle-related purchases virtually everywhere. It also comes with some of the best discounts in the industry, without any limits on how much you can save.
[H2] Where can a company gas card be used?
Our AtoB Flex Card and AtoB Unlimited fleet fuel cards can be used for vehicle-related expenses anywhere Mastercard is accepted, covering just about every fuel station nationwide.
[H2] Can I set driver-specific spending limits on my fleet of multiple drivers?
Yes! Fleet managers and operations teams have the controls to easily set fleet card limits for groups of gas cards, contractors, or team members. This feature enhances management and control over your trucking expenses.
[H2] Do I need a business credit score to apply for an AtoB fuel card?
No – we just need your SSN, EIN, driver's license, and proof of business revenue from the past three months.
[H2] What security features are included with our fuel and business cards?
Both our AtoB Flex and AtoB Unlimited fleet fuel cards offer one-click card deactivation, secure card unlock, telematics for suspicious charge alerts and instant notifications, and fuel level reporting to ensure purchases do not exceed a vehicle’s fuel tank capacityThese details help prevent fuel fraud and unauthorized use.
[H2] How does the approval process work for the AtoB cards?
The AtoB Flex card requires proof of revenue and is approved within 1–7 days. The AtoB Unlimited card offers fast approval without requiring bank information. What support options are available for AtoB fleet business card holders?
[H2] What support options are available for AtoB fleet business card holders?
Both cards provide 24/7 text and call support, with priority support available to reduce wait times. This ensures that cardholders can get assistance whenever they need it, providing a reliable solution for your trucking business.
[H2] How do prepaid fuel cards work?
You load funds into your account before drivers can fuel. Drivers swipe the card at any station, and the purchase is deducted from your balance. With AtoB, fund via debit card (instant), ACH, or wire, and set up auto-reload to prevent disruptions.
[H2] Do prepaid cards require a bank account?
No. AtoB Unlimited approves without bank information and lets you fund via debit card, ACH, or wire. You only need your EIN, driver's license, and three months of business rev