Modern B2B Fuel Cards on Apple Wallet & Google Wallet

Two-phase transaction. Phase 1: attendant sends reservation request with amount. Platform checks driver limit, employer balance, other constraints. If OK, reservation is created (funds appear as "committed" but not yet spent). Phase 2: after fueling, attendant sends confirmation request with actual amount. Platform charges the actual amount, releases the excess reservation. Total time: about 5 seconds for reservation, another 5 seconds for confirmation. Works over REST API with idempotency guarantees.

Reservations auto-expire after a configurable timeout (typically 15-60 minutes). If not confirmed within that window, the reservation is released and funds return to available balance. Also supports explicit cancellation if the attendant knows the transaction didn't happen.

Fully attended stations: yes, standard integration. Attended stations without POS terminals: yes, we provide mobile app for attendants. Fully self-service (customer pays at pump without human interaction): requires additional hardware integration with pump controllers — this is on our roadmap but not part of standard deployment. For the initial rollout, attended stations are our focus.

Fuel types are configured as categories. Per-driver rules can restrict fuel types (e.g., "diesel only" or "no premium"). Reports break down by fuel type. If a station attempts to charge a driver for a restricted fuel type, the transaction is declined at reservation stage — driver can only fuel what they're allowed to.

Free 7Konto mobile app installs on any Android or iOS device. Station attendant opens the app, enters expected fuel amount, app displays QR code. Driver scans QR from their Wallet card app. Transaction is created as reservation. After fueling, attendant confirms actual amount in app. Simple, no hardware cost for the fuel network.

Both supported. Prepaid: transport company preloads balance in advance, drivers spend from that balance. Credit: transport company has an agreed credit line with the fuel network (typical 15-30 day payment terms). Reservation phase checks against credit limit; monthly invoicing handles the accounting. Choose whichever works for your commercial relationships.

Multiple layers. (1) Driver's Wallet card is on their personal phone — hard to share physically. (2) Attendant sees driver info (name, employee ID, photo optionally) during transaction. (3) Suspicious pattern detection: unusual volumes, unusual locations, unusual timing. (4) Employer can flag disputed transactions for investigation. (5) Complete audit trail if disputes escalate. Fraud rates are typically much lower than open-loop credit cards.

Standard pricing: $149/month for the fuel network on Network tier (up to 5 locations, 10 terminals, 10,000 transactions/month). For growing fuel chains with more locations, Scale tier at $349/month covers up to 20 locations with 30,000 transactions. For large fuel networks (50+ stations, 5,000+ transactions/month), Enterprise pricing with volume discounts and unlimited locations. Fuel network typically passes cost through to transport companies as a service fee, or absorbs it as cost of doing B2B business.

Several models: (1) revenue share on transaction fees paid by fuel networks or transport companies, (2) percentage of program volume paid by fuel networks in exchange for bringing corporate customers, (3) service fees to transport companies for accessing multiple fuel networks through one program. Specific terms discussed in commercial call.

Yes, via REST API + webhooks. Common integrations: sync driver records from fleet management to 7Konto, push transaction data from 7Konto back to fleet reports, unified dashboards. Popular fleet management platforms are supported with pre-built connectors on request.

Everything. Every transaction: driver, station, timestamp, fuel type, quantity, amount, reservation ID, confirmation ID. Aggregated reports: fleet-wide spend, per-driver spend, geographic patterns, time-of-day patterns, station preferences. Exportable to CSV, PDF, or via API. Full audit trail. Compliant with tax and accounting requirements in most jurisdictions.

For credit-based accounts: after configurable overdue period, account can be suspended. Drivers' cards stop working immediately. Existing reservations are honored or cancelled per policy. For prepaid: they just can't fuel until they top up. Full audit trail supports any legal proceedings if needed. Standard collections processes apply.