How does a fleet card work and why smart fleets love them

Fleet cards are no longer just a way to pay for fuel, they’re becoming the digital infrastructure behind modern mobility. From managing EV charging and fuel to streamlining tolls, parking and expenses, today’s smartest fleets rely on unified, flexible fleet cards to stay competitive.
But the best mobility cards do more than just cover costs at the pump or charging station. Rather, they give fleet managers real-time visibility, spending controls and flexibility to support their traditional or electric fleets.
At Enfuce, we view these cards beyond their simplest transactions, we see them as a secure, scalable and modular solution that is built to streamline fleet payments, reduce administration and help fleet managers to future-proof their operations. If you’re interested in learning more about our platform and how it’s helping fleets to be smarter, listen to our webinar featuring Markus Kalela, Head of Fleet, Fuel & Mobility at Enfuce, and Oskari Eronen, Product Manager at Enfuce, or read on to learn more.
What are fleet managers struggling with today?
Fleet managers are caught between rising operational pressures and outdated payment infrastructure that simply can’t keep up. What worked five years ago doesn’t meet needs today.
But what specific challenges are fleet managers facing?
1. Legacy tools in a real-time world.
Many fleet systems were built before digital-first expectations. Manual reconciliation, limited data visibility, and rigid card controls slow down operations and limit scale. Traditional fleet & fuel cards, with static rules and outdated infrastructure, weren’t made for today’s real-time mobility environment.
Meanwhile, drivers expect consumer-grade digital experiences. Fleet managers are left stuck between rising demands and inflexible tools. To keep up, fleets need infrastructure that’s modern, modular and built to adapt, not just to today’s needs, but tomorrow’s growth.
2. Fragmented payments.
Today’s fleet managers don’t just need a fuel card, they need a payments platform that covers fuel, EV charging, tolls, parking and mobility expenses in one place. Instead, they’re often juggling 3–5 disconnected tools, each with separate logins, invoices and rules. As fleets move toward hybrid and electric vehicles, this fragmentation grows, introducing inefficiencies right when agility is most needed.
3. Compliance.
Fleet managers face a wave of complex regulation AFIR, PSD2/3, PCI DSS, and legacy systems can’t keep up.
Enfuce’s platform is built to be compliant by design, with automated reporting, spend categorisation and fraud monitoring, so managers stay ahead of regulation instead of reacting to it.
4. Fraud risks on the rise.
Fleet, fuel and EV charging cards are high-risk targets for fraud, from unauthorised use to merchant abuse. Traditional cards only spot fraud after the fact. Enfuce gives fleet managers real-time control: set merchant category restrictions, block cards instantly, receive alerts and monitor unusual activity as it happens.
5. The EV revolution is here.
Mixed fuel fleets require hybrid payment solutions that combine fuel and electricity into one seamless card. Fleet managers are struggling to deal with multiple solutions whilst drivers want to trade dongles and RFID cards for a simple tap-and-go experience. While the majority of fleets plan to become fully electric or hybrid over the next few years, this transition is urgent, not optional.
Today’s smarter, mixed-fuel fleets and the fleet managers in charge of them, require tools that can adapt, scale and streamline payments across fuel and EV charging.
6. From transactions to intelligence: turn spend into strategy
Enfuce gives fleet managers more than just data, it delivers actionable insight. With real-time dashboards, Level 3 transaction details, and automated reports, managers can track fuel vs. EV usage, compare driver behaviours, and spot savings opportunities instantly. Need CO₂ tracking? Done. VAT categorisation? Built in.
Download our Fleet & Mobility Guide to see how Enfuce powers the most modern fleet programs across Europe.
Powering fleet and mobility with Enfuce’s flexible and secure capabilities
Finding the right solution for your fleet can be an overwhelming task, and it’s not just fleet managers that need to be considered in this decision, it’s drivers too.
Whether it’s fuel, EV charging, or expenses, Enfuce’s Visa Fleet 2.0 compliant fuel cards give fleet managers one powerful card and platform to handle it all. Say goodbye to outdated tools and hello to real-time control, seamless payments, and better visibility. Or in other words: the best fuel card designed for the way you move today and tomorrow.
One card. Total visibility.
With Enfuce’s Visa Fleet 2.0, a compliant fuel and EV charging card, managing fuel, EV charging and expenses across different systems becomes yesterday’s problem. Enfuce’s solution gives you one card to rule it all, whether you’re charging on the go, filling up at the pump or covering your drivers’ expenses.
Real-time spend controls
Enfuce’s solution offers real-time spend controls with dynamic rules, such as capping fuel spend or allowing purchases only at approved stations, and visibility into every transaction. This means fleet managers can track, manage and optimise all fleet and mobility payments in one place.
Set spend rules by driver, vehicle or merchant. Enable geo-fencing or block out-of-hours usage. Want to allow EV charging only during peak hours or cap fuel limits by vehicle size? You can, all with a few clicks.
Network agnostic
Due to Enfuce’s open-loop solution, your fleet can pay at 900,000+ charging points and fuel stations with no restrictions, no lock-ins and no gaps in coverage – just seamless acceptance, wherever your fleet needs to go. But we haven’t forgotten about the fleet managers that prefer a closed-loop set-up. Enfuce offers network-agnostic options to ensure that as many fleet managers can benefit from the platform as possible.
Want a closed-loop card instead? No problem, Enfuce offers full flexibility with hybrid models to support your strategy.
Compliance at every level
With complex compliance demands, like PSD2/PSD3 and EU AFIR, occupying the thoughts of fleet managers everywhere, it’s crucial they have a solution to ensure they don’t fall behind. Enfuce’s platform is built on secure, scalable, cloud-native infrastructure to keep your fleet compliant from day one. Enfuce’s platform also has advanced fraud prevention features built in and real-time visibility and control across every transaction.
And better than that? Enfuce’s platform continuously adapts as regulations evolve, taking the stress out of compliance to allow fleet managers to focus on scaling smarter and delivering better experiences for drivers.
And as new rules emerge, Enfuce evolves with you. Our cloud-native platform updates continuously to support future mandates, so you’re always a step ahead.
Manage all fleet spend under one roof
Managing spend across a fleet has quickly become a juggling act for fleet managers, with fuel payments in one place, EV charging in another and driver expenses scattered in between, it’s only a matter of time before the juggling act comes crashing down.
Cover fuel, EV, tolls, parking, car washes, maintenance and on-the-road driver expenses in one unified account with Enfuce’s fleet cards. Remove the complexity of reconciling multiple invoices or manually sorting receipts, it’s all captured, categorised and reported automatically.
One card. One platform. Full control.
Thanks to this real-time visibility, along with the detailed spend analytics, automated reporting, and smart data insights that Enfuce’s platform provides, fleet managers can go beyond managing budgets more effectively and will also be able to identify savings opportunities all while reducing administrative work.
The future of fleet payment cards is fast, connected and compliant. Enfuce delivers more than a card, it’s a modular platform designed to consolidate spend, optimise operations and scale with your business. Whether you’re running a hybrid fleet, scaling EV or exploring new mobility models, Enfuce gives you the visibility, control and insight to move smarter.
Ready to simplify spend, scale smarter and stay compliant with the best fleet and fuel cards? Download our Fleet & Mobility Guide to see how Enfuce powers the most modern fleet programs across Europe.
Ready to simplify spend, scale smarter and stay compliant with the best fleet and fuel cards? Watch our webinar on how to power up your business with future-proofed fleet cards.