Mobility

A better way to manage fleet and mobility spend.

Bring eligible vehicle-related expenses into a single payment program, with a simpler experience for drivers and greater control and visibility for fleet and finance teams.

Row of fleet vehicles parked at sunsetFuel purchase approved within the monthly budget

Trusted to run Mobility and other payment programs at scale across APAC, Europe, the UK and North America

30m+
Cards issued every year
Mastercard and Visa Principal Member
1,100+
Client programs supported  
Across 27 countries
20+ years
Running complex payments programs  
PCI DSS, SOC1 Type 2, SOC2 Type 2, SSAE-18 audited

A simple journey.
A messy payment trail.

Today's drivers want the convenience of using their phone to fuel, charge, pay tolls, park and service their vehicles. And they want the freedom to choose where and when they fill up

Most solutions rely on plastic, only provide access to a limited range of fuel stations and fail to support other vehicle expense types.

This creates manual claims, a need for multiple plastic cards or the need for detours which cost time and money.

Driver refuelling his car at a fuel pumpDriver paying with a phone app while refuelling
Van at a service station with a sign for fuel, EV charging, tyres and car wash
Aerial view of a car on a road through a forestProgram controls for fuel, EV charging, tyres and car wash

One card for the whole mobility journey.

One digital credential powering fleet and mobility spend with universal acceptance.

EML Payments brings a single digital credential, a real time policy engine, receipt capture and finance ready reporting together to help fleet operators, novated lease providers and businesses cover everything from pay at pump and EV charging to in-store purchases, tolls, parking, servicing and more.

Fewer claims for drivers.
Tighter control for fleet and finance.
Built for spend that happens on the road.

Your brand. Our card and platform.

A single digital credential for every kind of mobility spend. Universal acceptance, controlled to the cent, and visible in real time.

White Label

Your brand, your customers, your program, on our card and platform.

Configurable

Apply business rules and spend controls from program level through to individual drivers and vehicles.

Open or Closed Loop

Use open-loop acceptance for broader reach or support controlled closed-loop models where the program requires it.

Built for business, designed for drivers

Total control for the business,
total simplicity for the driver.

A modern mobility program needs to work for everyone involved. Give fleet and finance teams more control, make life easier for drivers and create new ways for merchants to serve fleet customers.

Stop managing & start moving.

Run the whole program your way, with less administration, tighter control and lower cost to serve.

Reduce manual claims

Open-loop acceptance captures out of network spend and reduces paperwork.

Lower cost to serve

Instant digital issuance, no plastic, no manual claim processing.

Tighter control

Rules by driver, vehicle, category and fuel type, with daily to monthly limits.

Rebates that pay back

Keep your own fuel deals or use ours to offset program cost.

Nothing slips through

A live view of transactions, approvals, declines and limits.

Finance-ready

Tax-ready reports, reconciliation data and compliance flags, no month-end chasing.

One card. No detours.

One card on the phone for fuel and approved spend on the road. Faster stops, clear rules, less paperwork.

One card for everything

Fuel, EV, in-store and approved mobility spend.

Pay your way

Tap in store or pay at the pump straight from the app.

No surprises

See available spend, limits and approved categories before you buy.

Never lose a receipt

Digital receipts captured automatically or using intelligent Optical Character Recognition (OCR).

Always know where to go

Approved stations, live fuel prices, offers and routing.

Stay in the loop

Live payment updates, decline reasons and program messages.

Attract more fleet spend with tailored pricing and targeted driver offers.

Attract more fleet spend with tailored pricing and targeted driver offers.

Win new volume

Reach fleets and drivers you don't see today.

Bigger baskets

Target in-store offers by fleet, segment, location and time.

Your pricing, your way

Set client-specific pricing and fuel discounts.

Lower cost to serve

Less reliance on legacy hardware and plastics.

Richer data

Enriched pay-at-pump and POS activity across your sites.

Clean settlement

Track, reconcile and export pay-at-pump settlement.

How it works

One tap up front. Every check behind it.

Set up the program, configure rebates and rules, issue digital cards and roll out at your pace.

01

Set up your programme

Add your drivers, vehicles, rules and limits to match your policy. Your fuel discounts and agreed rebates are configured at the same time.

Drivers and vehiclesRules and limits
02

Issue the cards

A digital card goes to each driver with the right rules and limits already applied, before it’s ever used.

Digital cardsApple & Google Wallet
03

Driver pays

The driver opens the app or taps at the pump, in store or online.

Pay @ PumpPay instoreEV Charging
04

Controls apply in real time

Spend rules, fraud controls and category limits are checked before the payment is approved.

Spend rulesFraud controlsCategory limitsOpen Loop Acceptance
05

Captured and reconciled

In app tracking or a digital receipt are captured, and the transaction flows to fleet and finance instantly.

Receipt capture & OCRFinance-ready

Powered by
Tendren technology.

EML Mobility solution is powered at the forecourts by Tendren's lightweight technology that deploys to modern fuel forecourts and OCPI EV charging sites quickly and remotely. The hard work is already done.

Built for today, not yesterday.

EML Fleet Plus fuel and mobility card
EML Fleet Card
Modern. Connected. Controlled
Digital cards in minutes
Can operate wherever Visa is accepted
Live spend controls
Fuel discounts and rebates, and in-store offers
Real-time spend data
Receipts captured and matched
Spend matched to driver and vehicle
Reporting built for finance
EV and mobility spend ready
Plain plastic fleet card
Old Fleet Card
Manual. Limited. Delayed
Plastic in the post
Reliant on clunky on-site technology
Fuel-only or basic restrictions
Fixed, limited or statement-level only
Monthly statements
Receipts collected by hand
Manual or not available
Limited, delayed or spreadsheet-led
Often fuel-only
FREQUENTLY ASKED QUESTIONS

The questions fleet teams ask us first.

Where can drivers use the card?

Wherever the scheme is accepted, for the categories your programme approves, rather than only at sites inside a fuel network. Drivers see approved sites, live fuel prices and routing in the app.

No. Start with a pilot group, a vehicle category, a region or a single spend type. Prove the rules, the reporting and the driver experience, then expand at your own pace.

Yes. Rules can be set by driver, vehicle, merchant, category, fuel type, location, time of day and amount, with daily, weekly and monthly limits. Set them once for the programme, then tune them per driver.

Depending on how the rules are configured, a transaction can be declined before it is approved or allowed and flagged for review afterwards. Missing receipts, mismatches and off policy spend move into a compliance workflow rather than onto a spreadsheet.

Receipts are captured in the app or scanned on the spot via OCR and AI when only a paper receipt exists, and matched to the transaction automatically.

No. Fuel detail is captured at line item level without a till integration, so a site needs no new terminals and no development project to accept the card.

No. The programme covers fuel, EV charging, in store purchases, tolls, parking, servicing and accommodation. Tolls, parking, servicing and accommodation are paid at checkout rather than through the app.

Yes. Keep the deals you have already negotiated or use ours, configured into the program and visible in reporting. Capturing more spend on programme is also what protects the volume a rebate is calculated against.

Controls can be set to the expenses allowed under the agreement, and capturing fuel on programme keeps that volume inside the consolidated total a rebate is claimed against. Australian programs only.

Fund it to suit your cash flow, whether that is pre funded, just in time, or on a credit line. Contact us for more information.

Fuel brands and merchants can offer programme specific pricing, rebates and in store offers, or move an existing closed loop fleet network onto a model with lower overhead and wider acceptance.

Modern fleet spend starts with a better conversation.

Tell us how your fuel and mobility spend works today. We'll show you what one card could do.

Share a few details and we will route your enquiry to the right regional team.

Tell us more about your program