Fleet Cards

Companies that maintain fleets of vehicles need a reliable way to track and control expenses for their vehicles, such as fuel and repairs.

Mastercard offers specialized fleet-card BINs that provide enhanced authorization, clearing and reporting capabilities. Fleet-card issuers can receive data such as driver ID or vehicle ID both at the time of authorization and at settlement. Galileo parses the fleet data that Mastercard provides and then passes it to you so that you can perform detailed expense analysis.

There are two kinds of fleet cards:

  • Driver-issued cards — Your customer is a delivery service with a fleet of trucks. They would like to issue fleet cards to individual drivers to buy fuel and maintenance. Depending on the driver's profile, the card can be used for some purchases but not others. For example, some drivers can use their cards at all fuel merchants, repair shops, and parts stores. Other drivers can additionally use their cards for travel expenses such as lodging and meals. Different spending controls can be imposed so that some drivers can spend more than others, depending on their responsibilities.

Your customer needs detailed reporting on how funds are spent, such as knowing exactly what portion of a gas-station purchase went toward fuel and how much was spent on accessories. With this data, your customer can better manage their costs and plan for future expansion.

  • Vehicle-issued cards — You are a private security firm with a fleet of armored vehicles and highly trained personnel. You need to bill your clients for fuel and maintenance costs based on mileage. The fleet card remains with the vehicle rather than being issued to individual drivers so that you can track the vehicle's lifecycle and expenses and then bill your clients accordingly.

Fleet card data

The fleet-card information is divided into levels 2 and 3.

Level 2 data

Provided at authorization and settlement.

  • Vehicle ID
  • Driver ID

To receive level 2 data at the time of authorization, you must consume the Auth API.

Level 3 data

Provided at settlement.

  • Oil company brand name
  • Purchase time
  • Motor fuel service type
    • Product code
    • Item description
    • Item quantity
    • Item unit of measure
    • Extended item amount
    • Debit or credit indicator
  • Motor fuel information
  • Odometer reading
  • Vehicle number
  • Driver ID
  • Product type code
  • Card acceptor type
  • Card acceptor tax ID

Viewing fleet data

You get level 2 and level 3 data through these means:

  • Auth API
    • fleet_info object
      • fleet_card_driver_number
      • fleet_card_vehicle_number
  • BAUT: auth / AAAU: auth event messages
    • fleet_card_driver_number
    • fleet_card_vehicle_number
  • Fleet Data RDF, which is expanded settlement data that includes level 2 and 3 data

MCC restrictions

When you set up your fleet card product, you will determine which MCCs to block and allow. You can determine whether to allow only the fuel-related MCCs or whether to include maintenance MCCs as well. For vehicle-assigned cards, only fuel and maintenance MCCs are allowed.

For example, the default product-level settings for a driver-assigned card could include fuel and maintenance, as well as impose per-week spending limits. Then for selected drivers you could add support for lodging and food plus higher spending limits on a per-account basis. See About Account-Level Authorization Controls for more information.


  • 4468 — Marinas, marine service/supplies
  • 5499 — Miscellaneous food stores: convenience stores, markets, and specialty stores
  • 5541 — Service stations, with or without ancillary services
  • 5542 — Fuel dispenser, automated
  • 5983 — Fuel dealers: coal, fuel oil, liquefied petroleum, wood


  • 5013 — Motor vehicle supplies and new parts
  • 5511 — Automobile and truck dealers: sales, service, repairs, parts and leasing
  • 5531 — Auto store, home supply stores
  • 5532 — Automotive tire stores
  • 5533 — Automotive parts, accessories stores
  • 5599 — Miscellaneous automotive, aircraft, and farm equipment dealers, not elsewhere classified
  • 7531 — Automotive body repair shops
  • 7534 — Tire retreading and repair shops
  • 7535 — Automotive paint shops
  • 7538 — Automotive service shops
  • 7542 — Car washes
  • 7549 — Towing services
  • 7692 — Welding repair
  • 7699 — Miscellaneous repair shops and related services