How B2B2E fuel cards work on 7Konto
End-to-end example: how a fuel network, a transport company, and 50 drivers use 7Konto — and how a bank offers this as their own product to corporate customers.
The core insight
7Konto isn't just cards for end customers. It's a platform that merchants can offer to other businesses, who then use it internally with their own employees. The merchant (fuel network) provides the payment infrastructure. The business customer (transport company) manages a program for their employees. The employees (drivers) use Wallet cards with individual limits. Three parties, one platform, everyone benefits.
Who's involved
Every B2B2E program has three parties. Understanding who's who is the first step.
The Fuel Network
Merchant on 7Konto
A fuel network (chain of gas stations) uses 7Konto to accept closed-loop payments at their pumps. They configure their prices, their station network, and their partner rules on the platform.
e.g., 400 gas stations across Ukraine
The Transport Company
Corporate client of the fuel network
A transport company signs up as a corporate client of the fuel network. They preload funds or get a credit line on their 7Konto corporate account. They add their drivers as authorized users with individual limits.
e.g., logistics company with 50 trucks
The Drivers
Employees using the fuel cards
Each driver gets a Wallet card in Apple Wallet or Google Wallet. When they fuel up at a partner station, they scan the QR from their phone. Fuel is charged from their personal daily limit and their employer's corporate balance.
e.g., 50 drivers, each with $300/day limit
End-to-end flow
From fuel network activation to daily driver transactions. Everything that happens.
Fuel network activates 7Konto
Fuel NetworkThe fuel network signs up with 7konto. They configure their gas stations, pricing, and terminal integration. All 400 stations are connected in 2-3 weeks.
- • Fuel network owns the merchant account
- • Their POS terminals or a simple mobile app on staff phones support QR scanning
- • Fuel network sets internal pricing (per-liter cost for corporate customers)
Transport company signs up as corporate client
Transport CompanyThe transport company registers as a corporate client of the fuel network. They provide company details and sign a service agreement with the fuel network.
- • Corporate account is created under the fuel network's master account
- • Transport company gets admin panel access to manage their program
- • Payment terms are agreed: prepaid balance, monthly invoicing, or credit line
Transport company adds drivers
Transport CompanyFrom their admin panel, the transport company adds their drivers as authorized users. Each driver gets individual settings: daily limit, monthly cap, allowed stations, fuel types.
- • Bulk upload via CSV: name, phone, employee ID, per-driver limits
- • Individual driver settings: $300/day max, no premium fuel, weekdays only, etc.
- • Wallet cards are issued automatically
Drivers receive Wallet cards
DriversEach driver receives an SMS with a link. They tap it, tap "Add to Apple Wallet" (or Google Wallet), and their fuel card appears in their wallet in 10 seconds. No app to install.
- • Personalized card showing driver name, employee ID, current balance
- • Balance visible without opening any app
- • Push notifications for daily limit updates, low balance warnings
Driver fuels up at a partner station
DriversAt the pump, the station attendant enters the fuel amount. The station's POS terminal displays a QR code. The driver opens their Wallet card and scans the QR. Transaction complete in 5 seconds.
- • Amount is checked against driver's daily limit
- • Amount is checked against employer's corporate balance
- • Both are debited in real-time
Everyone sees updates in real-time
All partiesThe driver's Wallet card shows updated balance. The transport company's admin panel shows the transaction. The fuel network sees revenue from the corporate customer.
- • Driver: sees remaining daily limit in Wallet
- • Transport company: sees fleet-wide fuel spend, per-driver breakdown, station patterns
- • Fuel network: sees corporate customer volume, popular stations, average transactions
Monthly reconciliation
All partiesAt end of month, the transport company gets a detailed report and invoice from the fuel network. Fuel network gets aggregated statistics across all corporate customers.
- • Transport company: itemized report per driver, per station, per day
- • Automatic top-up if using prepaid, or invoicing if on credit terms
- • Full audit trail for both parties
Fuel reservation before dispensing
A critical operational feature for fuel networks: reserve funds before dispensing, confirm the actual amount after. Prevents overdrafts, matches real-world fuel operations.
How the reservation flow works
Driver arrives at pump
Driver scans QR from their Wallet card at the station terminal or attendant's mobile app
Reserve max amount
Attendant enters expected max ($100). Platform reserves it against driver's limit and employer's balance
Fuel dispensed
Actual fuel dispensed (e.g., $87 worth). Reservation stays active during pumping
Confirm actual amount
Attendant confirms $87. Platform charges exact amount, releases the $13 excess back to available balance
Prevents overdrafts
Because funds are reserved upfront, drivers cannot fuel past their daily limit or their employer's available balance. No surprises for either party. No liability exposure for the fuel network.
Matches real fuel operations
The reserve-then-confirm pattern is how open-loop credit cards work at fuel pumps today. Drivers and attendants recognize the flow. No new training needed on the payment side.
Works on any terminal or phone
Attended stations use their existing POS terminal. Unattended stations (or stations without POS) use the 7Konto mobile app on any Android or iOS device. Same reservation flow either way.
Precise reporting for employers
Reports show actual fuel dispensed, not reservation amounts. Reconciliation matches reality. Employers see exactly what drivers spent, not what they might have spent.
Same reservation pattern works for other scenarios
Beyond fuel: hotel room deposits (reserve at check-in, confirm at check-out), rental car deposits, restaurant tabs (reserve minimum, confirm actual), pre-paid corporate dinners with tips added later. Any scenario where the exact amount isn't known until the transaction completes.
How this works for a bank
The bank isn't one of the three parties above — they're the enabler. Here's how the bank fits in and monetizes.
The bank offers this to its corporate clients
The bank has hundreds of corporate clients who could benefit from fuel cards. Historically, only specialized providers (WEX, FleetOne) offered this. Now the bank can offer it as their own product using 7Konto as the platform.
Concrete example: PrivatBank offers "PrivatFuel" (or similar branded product) to their corporate customers who have fleet operations.
White-labeled under bank brand
The transport company sees the bank's brand, not 7Konto's. The corporate admin panel uses the bank's colors and logo. Support flows through the bank's existing corporate banking channels.
Concrete example: Drivers get Wallet cards with the bank's branding. Corporate admins log into the bank's corporate portal to manage the program.
Bank monetizes via revenue share
The bank negotiates commercial terms with fuel networks. Options: (1) fuel networks pay bank a percentage of corporate volume, (2) transport companies pay bank a service fee, (3) hybrid model.
Concrete example: For example: bank gets a small percentage of every corporate fuel transaction. Aligned incentives: bank grows when corporate customer program grows.
Merchant retention and acquisition
Fuel networks that already work with the bank get a new product to sell to their customers. Fuel networks that don't work with the bank become interested — because the bank brings them corporate customers.
Concrete example: Fuel networks join the bank's program. Corporate customers join because their bank offers it. Growth cycle.
Data ownership stays with the bank
Transaction data, customer profiles, and program analytics all flow through the bank's systems. The bank owns the customer relationship — 7Konto is the infrastructure layer underneath.
Concrete example: Bank gets: portfolio-wide reporting, corporate customer analytics, fuel network performance data. All within their existing data governance framework.
Compared to alternatives
vs. specialized fleet card providers (WEX, FleetOne)
Bank offers under their brand, keeps the customer relationship, monetizes on their own terms. Not dependent on specialized third parties.
vs. paper fuel vouchers
Real-time control, driver-specific limits, no counterfeiting, no lost vouchers, digital reporting. Modern experience for all parties.
vs. corporate credit cards for fuel
Closed-loop with driver-level limits. Interchange fees eliminated. No fraud risk from lost/stolen cards. Category-locked to fuel only.
vs. custom builds by fuel networks
Fuel networks skip 6-12 months of development. Bank skips capex. Both benefit from a shared platform without building it.
What a real deployment looks like
Illustrative example of scale for one fuel network + one transport company customer.
Fuel Network
- 400 gas stations across the country
- 150 corporate customers using 7Konto
- 5,000+ total drivers with Wallet cards
- 30% of station revenue from B2B2E channel
Transport Company (example)
- 50 trucks in the fleet
- 50 Wallet cards, one per driver
- $300 daily limit per driver
- $450K annual fuel spend through platform
Illustrative numbers. Actual scale varies by deployment.
Questions about B2B2E fuel programs
How does fuel reservation work — reserve first, confirm after?
The attendant enters an expected maximum amount (e.g., $100) when the driver arrives. The platform reserves this amount against the driver's daily limit and employer's balance. The driver fuels up. When the actual amount is known (e.g., $87), the attendant confirms it — the platform charges $87 and releases the remaining $13 back to available balance. This mirrors how open-loop credit cards work at fuel pumps today, preventing overdrafts and matching real fuel operations. Same flow works on POS terminals or on our mobile app for stations without terminals.
Does this work for other B2B2E use cases beyond fuel?
Yes, the same pattern applies to: corporate meal programs (restaurants + employers + employees), employee benefits (wellness partners + employers + employees), taxi/mobility corporate accounts, hotel corporate accounts (business travel), and many others. Fuel is a large and clear example, but the platform supports any B2B2E structure.
What POS terminals do gas stations need?
Any modern POS terminal that can display QR codes on screen. All major PAX, Verifone, and Ingenico terminals work. For fuel networks with older terminals or no terminals at attended stations, we provide a simple mobile app that runs on any Android or iOS device.
How does the bank make money from this?
Several models: (1) revenue share on transaction fees paid by fuel networks, (2) service fees paid by corporate customers (transport companies), (3) hybrid model, (4) bundled with corporate banking services as retention/acquisition tool. Specific terms depend on the bank's existing relationships and priorities.
What about self-service fuel pumps?
Currently 7Konto is designed for attended stations where staff enters the amount. Fully self-service pumps (customer pays at pump without human interaction) require additional hardware integration. This is on our roadmap but not part of the initial deployment. For the initial rollout, attended stations only.
Can drivers use the card at multiple fuel networks?
Depends on how the program is configured. If a bank works with multiple fuel networks, they can create either (a) network-exclusive programs where each fuel network has its own separate program, or (b) coalition programs where drivers can use one card across all participating fuel networks. Both are technically possible.
What are the driver-level controls?
Extensive. Daily maximum, monthly cap, per-transaction cap, allowed fuel types (regular, premium, diesel), allowed stations (specific list or all partners), time windows (working hours only), day-of-week restrictions, geographic zones. Configurable per driver or by driver groups.
How long does deployment take?
For a pilot with 1 fuel network and 1-3 corporate customers: 4-6 weeks from first partnership call to live transactions. For full rollout across a bank's corporate portfolio: typically 3-6 months depending on scope. The technology is fast; the business coordination takes time.
Related pages
For Payment Networks
Full overview of how 7Konto works with banks, PSPs, and acquirers.
Corporate Meal Programs
Same B2B2E pattern applied to meal cards for employees.
What is B2B2E?
Definition and explanation of the Business-to-Business-to-Employee model.
Commercial Accounts
How business-controlled accounts work with per-user limits and rules.
Ready to explore B2B2E for your business?
Whether you're a bank exploring this as a corporate offering, a fuel network wanting to serve corporate clients, or a business looking to give your employees managed accounts — let's talk.
Direct contact: Maxim Ronshin, Founder & CEO