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Every payment attached to the vehicle to which it belongs.
Payments are the one source of truth of vehicle cost, hitting every element of business operations. Yet most businesses have no visibility, as payments sit between an average of 2.5 fuel cards, expense cards, personal expenses and transfers, all lost in a general ledger account that is never reconciled because time doesn’t allow.
CarCloud Pay with Visa is designed to replace all other payment options with one card, linking directly to the vehicle to which the payment relates. So for the first time, “which vehicle costs too much and should be replaced?” becomes an alert on a system, while reconciliations are reduced so your team can focus on revenue. And in partnership with Visa, every element of your committed spend is rewarded.
The numbers
Fleet payments are fragmented, invisible, and expensive. But why?
Your fleet perhaps spends hundreds of thousands of pounds a year on vehicle costs, and very little of it can be traced to a vehicle, a driver or a journey. As a start, most fleets turn to fuel cards — 2.5 cards per fleet on average — but optimising your vehicle asset is about more than fuel.
Fuel cards evolved to manage spend and risk, but only by limiting driver spend to fuel, not allowing drivers to make every payment that keeps the vehicle moving and revenue generative. Everything else goes through expense claims and BACS payments that involve the office team, tying up multiple resources and adding cost.
£192bn
total UK vehicle-related spend, almost none of it properly managed.
CarCloud IM / BVRLA, 2026
17.7%
average overspend on vehicle costs against what businesses should pay.
CarCloud data
79%
of fleet managers still manage vehicle costs on spreadsheets.
Fleet News / Sixt, 2025
9.1 days
lost per affected employee every year to grey fleet disruption: breakdowns, maintenance delays, and insurance or admin issues.
Sixt UK Mobility Study 2025, via Fleet News
Fuel cards
Does this seem familiar?
A driver pulls into a service station and finds the fuel card only works at the brand ten miles up the road. So they pay on a personal card and file an expense claim, costing time and resource and adding to their frustration. Driving abroad? Another card again.
Fuel cards today
Spend linked to a card, not to a vehicle or a driver
No flex between corporate and personal use
Often tied to one brand of station
Everything that is not fuel goes through expense claims
Another card for driving abroad
CarCloud Pay with Visa 2027
One card for all spend, built to keep the vehicle on the road
Flexes between corporate and personal, debit and credit
Every cost allocated to the vehicle that caused it, so you know which vehicles make money
Permissions at merchant and driver level: one driver set up like a fuel card, another trusted to spend on anything
Every pound rewarded through Visa’s rewards programme
The problem
The payment problems your fleet lives with every day.
No idea of true cost of ownership
Finance payments here, insurance payments there, fuel card payments elsewhere, maintenance invoices in a spreadsheet. Without one accurate figure per vehicle, vehicle and operational decisions are made in the dark.
CarCloud’s connected payment and cost data lets you anticipate the decision instead of reacting to the bill.
Payments that cannot be reconciled
Multiple cards, accounts, approval chains and expense systems. Reconciling them against vehicles and cost centres every month is rarely viable.
The Visa-backed CarCloud Pay card attaches every transaction to a registration at the point of payment, making reconciliation instant.
Grey fleet payments, invisible by design
3 in 4 employees who drive for work use their own vehicle. They pay upfront and claim back weeks later, so the business never sees on a timely basis what was spent, on which vehicle, or whether it was legitimate.
The card works for grey fleet too, giving employee-owned vehicles, and their owners, the same payment intelligence as company ones.
Visa / CarCloud whitepaper, 2026
Decisions made without data
When to replace, when to refinance, when insurance is up at a better rate. Without connected payment data these are reactions rather than decisions.
Connected payment and cost data lets you anticipate the decision instead of reacting to the bill.
The CarCloud Visa One Card
One card, and every transaction tagged at source.
A single card that flexes between corporate and personal use, debit and credit, embedded in Apple and Google wallets and backed by Visa’s global network. Every transaction is attached to a vehicle registration at the point of payment — not reconstructed in a spreadsheet afterwards. This is not an incremental improvement on a fuel card. It is a different proposition, designed to match payments to fleet needs.
One card
Flexes corporate and personal, debit and credit — risk managed by permission controls at driver and merchant level, wherever Visa is accepted.
Every payment
Attached to a vehicle registration at the point of transaction, not in a spreadsheet afterwards.
Full visibility
Fuel, EV charging, tolls, parking, maintenance and insurance — all in one place, all by vehicle.
Rewards back
Cashback and rewards on vehicle spend the fleet is already committed to. Your fleet earns on every journey.
Fuel, servicing, parking and tolls on one card, allocated to the vehicle automatically.
CarCloud Pay with Visa is rolling out in 2027. Talk to us about being among the first.
The financial case
£1,000+ potential saving per vehicle, per year.
Average UK van spend is £9,755 per vehicle per year, plus £2,165 in productivity lost to the administration around it. Connected payment data, real-time cost visibility and better-timed decisions could deliver savings of over £1,000 per vehicle per year — an ROI of over 16× on the platform cost.
On a fleet of 50 vehicles that is £50,000+ back every year, before the cashback and rewards the card earns on your already committed spend.
Illustrative fleet of 50
Vehicles
50
Saving per vehicle
£1,000+
Per year
£50,000+
Average van spend
£9,755 a year
Admin productivity lost
£2,165 a year
Return on platform cost
Over 16×
Cashback on committed spend
On top
Illustrative figures from the CarCloud and Visa fleet payments proposition.
What changes
Live on day one. Works with your existing fleet.
Fuel cards today v the CarCloud Pay card of the future.
Fuel and other cards today
Spend linked to a card, not a vehicle
Corporate or personal, never both
Reconciled weeks after the fact
Grey fleet paid upfront and claimed back
No spend controls by driver
Receipts keyed into the accounts package
Frustrated drivers
CarCloud Pay
Every payment tagged to the vehicle registration at source
Flexes corporate and personal, debit and credit
Full cost of ownership dashboard per vehicle
Grey fleet payment intelligence included
Real-time spend alerts and spend controls by driver
Xero, QuickBooks and Sage integration
Cashback and rewards on all vehicle spend
Makes driver payment lives easier
The outcome
Reconciliation stops being a monthly job.
Spend arrives already attributed to the right vehicle, so the question moves from “why are we spending so much on fuel?” to “why is this particular vehicle costing more than it should? How can those costs be reduced? Or does it need to be replaced?”
And grey fleet gets the same payment intelligence as company vehicles. One payment system for all drivers and all vehicles. Clean, reconciled data, so every decision is data-led.
One card. Every vehicle. Every cost.
Get in touch for a complimentary fleet payments review. We will show you exactly what your vehicles are costing you and where the savings are — no obligation.
In partnership with Visa · FCA regulated · EIS approved
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