# AtoB

AtoB is a financial technology company providing modern payment, credit, and expense management solutions for fleets, truckers, and logistics businesses across the United States. Operating under CElegans Labs, Inc., AtoBs mission is to streamline the financial operations of transportation companies by integrating fuel payments, payroll, maintenance spend, and fleet management into a single, secure platform. Its offerings combine universal card acceptance, instant payments, and automated expense tracking to help fleets save money, prevent fraud, and improve efficiency.

AtoB focuses on making mobility more affordable and efficient through products that integrate real-time payments, expense management, credit reporting, and fuel discounts. Its Mastercard-powered cards and integrations with key financial partners deliver the flexibility and transparency that fleet operators and transportation businesses need. The company partners with major banks such as Celtic Bank and Community Federal Savings Bank to issue cards, ensuring robust financial compliance and reliability.

AtoBs key differentiators include instant payments, average fuel discounts of over 45 per gallon for truck diesel (and up to $2.00 per gallon at select stations), acceptance anywhere Mastercard is accepted, and a robust platform for automating taxes, managing payroll, and reporting to business credit bureaus. Its 24/7 customer support, simplified onboarding, and compatibility with both internal combustion and electric fleets make it a comprehensive financial platform for the transportation industry.

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## Core Products & Services

### Fleet Cards
- **What it does:** The AtoB Fleet Card is a Mastercard-powered payment solution that enables businesses to cover all fleet-related expenses, from fuel and tolls to maintenance and insurance. It offers proprietary discounts at select truck stops and integrates with management tools to offer full control over fleet spending.
- **Who uses it:** Trucking companies, delivery services, construction fleets, and other commercial transportation operators managing both heavy and light-duty vehicles.
- **Key features:**
  - Average savings of 45 per gallon and up to $2.00 per gallon at select truck stops
  - Accepted at over 99% of stations nationwide where Mastercard is accepted
  - Fraud protection and telematics-based purchase restrictions
  - Custom spending controls and SMS unlock for security
  - Reports to business credit bureaus to help build credit
  - 24/7 support and simple, transparent pricing
- **Benefits:** Enables universal acceptance without out-of-network fees and provides automated control of expenses with savings on every transaction.

### Instant Payments
- **What it does:** AtoBs instant payments infrastructure allows fleet operators, brokers, and factoring partners to process payouts instantlyday or night. Funds can be transferred to bank accounts, debit cards, Zelle, Venmo, or PayPal.
- **Who uses it:** Factoring companies, fleet owners, and brokers paying drivers or carriers.
- **Key features:**
  - Instant bank and card transfers 24/7/365
  - Telematics and GPS invoice verification for fraud prevention
  - Integration with existing accounting and management systems
  - Customizable transaction fees (typically flat $25 or 1%)
- **Benefits:** Eliminates delays, cuts dependency on banking hours, improves cash flow, and enhances carrier satisfaction.

### Fuel Card Management System
- **What it does:** A centralized digital dashboard that allows businesses to manage spending, control card usage, and track fleet transactions in real time.
- **Who uses it:** Fleet operators and financial administrators managing large or distributed vehicle operations.
- **Key features:**
  - Control over transaction limits, merchant types, and hours of operation
  - Integration with Telematics and payroll systems
  - Digital reporting and audit trails
  - Unlimited instant transfers and automated expense tracking
- **Benefits:** Provides a unified view of fuel and operational spending with strong security and automation capabilities.

### Electric Vehicle Integration
- **What it does:** AtoB supports fleets transitioning to electric vehicles (EVs) by offering cards compatible with all charging networks and combined reporting for internal combustion and EV vehicles.
- **Who uses it:** Fleets operating electric or mixed-fuel vehicles.
- **Key features:**
  - Pay for EV charging wherever Mastercard is accepted
  - Consolidated dashboard for ICE and EV transactions
  - Reimbursement tools for home charging
  - EV-focused insights for emissions and energy planning
  - Optional carbon-neutral program through certified offsets
- **Benefits:** Simplifies the electrification process for fleets while ensuring payment flexibility and sustainability tracking.

### Factoring Partner Program
- **What it does:** Enables factoring companies to integrate AtoBs instant payment and card systems into their operations, letting them fund carriers rapidly and increase revenue streams.
- **Who uses it:** Freight factoring companies and their carrier clients.
- **Key features:**
  - Instant funding 24/7
  - Co-branded fuel, expense, and payroll cards for carriers
  - Integration with existing factoring management software
  - Custom fee and branding options
  - Revenue share on carrier spend
- **Benefits:** Reduces payment friction, boosts customer satisfaction, and helps factoring companies grow profits up to 100% per invoice.

### Broker Partnership Program
- **What it does:** Provides freight brokers with a co-branded card program and unified payment management system to reduce operational costs and driver misuse.
- **Who uses it:** Freight brokerages offering financial programs to their carrier networks.
- **Key features:**
  - White-labeled analytics dashboard
  - Telematics and SMS security integrations
  - Dedicated support with industry-leading wait times (45-second phone average, 34-second chat)
  - Proven KPIs including 110%+ net dollar retention
- **Benefits:** Enhances operational efficiency, prevents fraud, increases card adoption, and raises retention rates among carrier partners.

### Truck Stop Discount Network
- **What it does:** A national network of over 3,000 truck stops offering exclusive diesel discounts to AtoB cardholders.
- **Who uses it:** Commercial fleets using AtoB fuel cards for diesel purchasing.
- **Key features:**
  - Average savings of 45 per gallon and up to $2.00 at partner stations
  - Accepted at TA, Petro, 7-Eleven, Speedway, RaceTrac, Maverik, Caseys, and more
  - Additional discounts on maintenance, warranties, toll management, and vehicle rentals
- **Benefits:** Directly lowers operational fuel costs and provides non-fuel perks for fleet operations.

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## Use Cases & Applications

### Fleets and Transportation Companies
- **Their needs:** Reduce costs, eliminate fuel fraud, and simplify payroll and tax processes while keeping trucks on the road.
- **How they use it:** Using AtoBs Fleet Card and dashboard to manage expenses, process payroll, and track transactions securely.
- **Results:** Increased savings, improved compliance, enhanced credit ratings, and reduced administrative overhead.

### Factoring Companies
- **Their needs:** Instant access to fund carriers, eliminate wire delays, and add value for clients.
- **How they use it:** Integrate AtoBs instant payment wallet to pay carriers instantly with customizable transaction options.
- **Results:** Faster turnaround, higher retention, and increased profits per invoice.

### Freight Brokers
- **Their needs:** Manage disbursements to carriers while ensuring security and brand consistency.
- **How they use it:** Adopt AtoBs white-labeled card programs with telematics-based fraud protection and custom portals.
- **Results:** Stronger carrier loyalty, improved utilization rates, and higher operational transparency.

### Electric and Mixed-Fuel Fleets
- **Their needs:** Transition smoothly to electric power while maintaining unified payment systems.
- **How they use it:** Use AtoBs EV-compatible cards for all types of energy purchases and consolidated data analytics.
- **Results:** Simplified operations across ICE and EV vehicles and measurable carbon-offset capabilities.

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## Company Information

### Customers & Case Studies
- **Backwater Logistics LLC:** Reports seamless payments and universal acceptance similar to a regular business debit card.
- **Rhythm Trucking:** Praised AtoBs quick support response and transparent portal for tracking savings.
- **Y B Logistics LLC:** Approved for a $2,500 fuel limit in under 10 minutes, citing operational efficiency.
- **Luckys Pilot Car Service LLC:** Benefits from stress-free fleet operations and quicker invoice turnaround.
- **Taylor Transfer LLC and Expedited Services LLC:** Highlight national acceptance, no transaction fees, and emergency accessibility.

### Integrations & Compatibility
- Integrates with major accounting and ERP systems including **QuickBooks Online, Xero, and NetSuite** for expense reporting.
- Compatible with telematics platforms to monitor real-time location and fuel-level data for fraud prevention.
- Supports ACH, wire, and card-based payments through banking and FinTech partners.
- Complies with Mastercard network rules and U.S. banking regulations; identity and credit data processed under partner bank oversight.

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## Feature Deep Dive

### Fraud Protection and Card Controls
- **How it works:** Combines GPS and telematics integration with purchase restrictions (merchant limits, time-of-day rules, spending caps). Uses real-time data to validate transactions and prevent unauthorized usage.
- **Benefits:** Virtually eliminates misuse and fuel theft, saving fleets thousands annually.
- **Requirements:** Integration with fleet telematics or driver app for location synchronization.

### Instant Driver Payroll
- **How it works:** Enables businesses to pay drivers instantly through connected wallets or debit cards, bypassing delays associated with ACH and batch payroll.
- **Benefits:** Reduces payroll administration time and improves driver satisfaction.
- **Requirements:** Connection to AtoBs payments platform or wallet integration.

### Business Credit Bureau Reporting
- **How it works:** AtoB reports payment activity to leading business credit bureaus, improving a companys financial profile over time.
- **Benefits:** Helps small and mid-sized fleets build creditworthiness to access larger lines of credit and better financing rates.

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## Getting Started

To begin, businesses can apply online at **[atob.com/get-started](https://www.atob.com/get-started)** by completing a brief form with company and fleet information, such as the number of vehicles, drivers, and average weekly fuel expenses. AtoB uses this data to determine credit limits and configure account preferences.

Implementation takes less than one day, with immediate access to digital cards and management dashboards. Fleet operators can integrate accounting or telematics tools directly or through the AtoB API for seamless expense tracking.

AtoB provides support 24 hours a day, 7 days a week through **support@atob.com** or via phone at **+1 (833) 9472862**. Businesses can also access chat assistance through the main website or customer portal. Cards are issued by **Celtic Bank** or **Community Federal Savings Bank**, Member FDIC, under license from Mastercard International.

## Site Map

Pages crawled from atob.com (20 total):

- [Trucking Fuel Cards, Fleet Gas Cards & Fleet Card Management](https://atob.com/)
- [Blog](https://www.atob.com/blog)
- [Factoring](https://www.atob.com/become-a-factoring-partner)
- [Broker](https://www.atob.com/become-a-broker-partner)
- [Merchant](https://www.atob.com/become-a-merchant-partner)
- [Learn](https://www.atob.com/learn)
- [Get started](https://www.atob.com/get-started)
- [Mastercard & Prepaid Fleet Fuel Card](https://www.atob.com/product-fuel-cards)
- [Privacy Policy](https://www.atob.com/privacy-policy)
- [Electric Vehicles and AtoB](https://www.atob.com/electricvehicles)
- [Company Fuel Cards](https://www.atob.com/company-fuel-cards)
- [AtoB Truck Stop Discount Network](https://www.atob.com/truck-stop-discount-network)
- [Trucking Fuel Cards, Fleet Gas Cards & Fleet Card Management](https://atob.com/)
- [What is Fleet Management?](https://www.atob.com/blog/what-is-fleet-management)
- [Mastercard and OTR Fuel Card for Fleets ](https://www.atob.com/overtheroad)
- [Master Fleet Efficiency: Save on Management Costs](https://www.atob.com/blog/reduce-fleet-expenses)
- [How to Prevent Fuel Card Fraud](https://www.atob.com/blog/how-to-prevent-fuel-card-fraud)
- [Telecom Fleet Management](https://www.atob.com/telecom-fleet-management)
- [Fuel Card Management System](https://www.atob.com/fuel-card-management-system)
- [Privacy Policy](https://www.atob.com/privacy-policy?__hstc=17958374.8b18b96b2f66304e40c6dd455a342ee6.1734104150175.1753190689612.1753366566965.77&__hssc=17958374.1.1753366566965&__hsfp=2624573244&_gl=1*1n36c3f*_gcl_au*ODIxMTQ3MTU5LjE3NDk4MzAzMTguNDQxOTgwNDIyLjE3NTEzNjgxODYuMTc1MTM2ODIwNQ..*_ga*MjAwNTY3MTMzNy4xNzM0MTA0MTQ5*_ga_Y6MGR39Y3J*czE3NTMzNjY1NjYkbzEwMCRnMCR0MTc1MzM2NjU4MiRqNDQkbDAkaDA.)

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