AtoB for Factors
Make every invoice more profitable
Fleets move faster, spend smarter and save while you grow your revenue and profit. Fund your carriers instantly 24/7/365 and grow your margin 50%-100%.
Easy implementation
Plug right into your existing funding workflow instantly, set up in less than a day.
Delight Carriers
Every time fleets spend, you generate revenue.
Customized to your business
Your brand, our expertise: Offer carriers more with the best spend cards out there.
Move money in minutes, even nights, weekends & holidays
Carriers get money in minutes to their preferred bank account, 24/7/365. You capture more profit.
Simple set up
Works seamlessly with your existing FMS and invoice audit service.
Payouts in minutes
Carriers get money in under 2 minutes, not hours or days.
Goodbye to cutoff times
Factored funds are available instantly, 24/7/365—even nights, weekends and holidays. No banking hours required.
Easy for carriers
Instant transfer to the carrier’s preferred Bank Account, Debit Card, Zelle, Venmo, or PayPal account.
Advanced fraud protection
Use telematics and GPS to validate invoices before payouts, protect your margin and boost fleet trust.
Why Instant beats Wire
AtoB's partner program gives your fleets access to fuel discounts, instant payments and so much more—all under your brand.
75% of carriers choose an instant pay option.
120 more payment days per year.
We can send payments instantly, even late at night or weekends, which keeps our business running smoothly.
Keep earning beyond the invoice
With AtoB’s suite of card products, revenue doesn’t stop at the invoice. Each swipe drives profit for you and savings for carriers. No extra integrations required.
- Fuel Card: Nationwide acceptance with industry-leading discounts, GPS controls, and fraud protection. Carriers save at the pump, you earn on every gallon.
- Business Expense Card: Cover repairs, tolls, insurance, and more. Carriers earn 1% cashback while you earn 0.5% on every non-fuel purchase.
- Driver Payroll Card: Pay drivers instantly with no third-party fees. Carriers cut payroll costs and you stay central to their operations.
100% increase in profit per invoice
Turn every funded invoice into more profit.
Frequently asked questions
What are the main value propositions to a carrier in adopting the AtoB digital wallet?
Speed, Availability, and Choice. Speed, get access to your funds as soon as your invoice is purchased. Availability, receive and transfer money 24/7, 365 days per year. No cutoff windows, no restrictions around sending and receiving money on holidays and weekends. Choice, choose from multiple transfer options including Instant bank account transfers, push-to-card, Zelle, Venmo, and PayPal.
What are the main benefits to a Factoring company to adopt the AtoB digital wallet?
- Carrier Experience (get money faster without cut-off times).
- Operational simplicity (how it makes your ops team's life easier).
- Monetization potential (how you'll make more money as a factor).
How does AtoB's Wallet facilitate instant payments?
RTP, Debit Card (Checking Account), Zelle, Venmo, PayPal.
How much does it cost a carrier to process an instant payment?
Fees are customizable, but typically range from a flat $25 to 1%.
How much does it cost to process an ACH using the AtoB digital wallet?
This fee is set individually by each Factoring company, typically matching the fee you already charge your carriers for this service.
Can a carrier pay their drivers or other vendors using the AtoB digital wallet?
Yes, funds are available instantly in the AtoB digital wallet and carriers are able to pay themselves, drivers, and other vendors just like they could from any business bank account though with even greater choice as to the payment speed and provider (e.g. Zelle).
Where is the AtoB Fleet Card accepted?
The AtoB Fleet Card is accepted at over 99% of truck stops across the nation.
Where does the AtoB Fleet Card receive discounts?
The AtoB Fleet Card discount network encompasses more than 3,000 truck stops across the US with average discounts of 42¢/gal at TA, Petro, 7-Eleven, Racetrac, Speedway, Maverik, Casey's, Sapp Bro's, and more.
Can the AtoB Fleet Card be used for more than just fuel?
Yes, by default the AtoB Fleet card can be used for fuel and non-fuel expenses as long as these non-fuel categories are enabled by the fleet's owner or fleet manager.
Does the AtoB Fleet Card offer carriers credit?
Yes, the AtoB Fleet Card offers weekly lines of credit to qualifying carriers with a prepaid option for those carriers still building their business credit.
How does the AtoB Fleet Card prevent theft and fraud?
The AtoB Fleet Card has granular card controls to help fleets configure their purchases including transaction limits, operating hours, and merchant exclusions. We also integrate directly with leading Telematics providers to use both GPS and fuel level data to prevent theft and fraud.
Does AtoB provide sales and marketing support?
Yes, AtoB provides direct sales and marketing support to help you maximize the revenue earned from your fuel program.
Can the AtoB Fleet Card be branded with my company's name and logo?
Yes, both the card and portal can be updated with your logo.
From invoice upload to cash in hand. Instantly.
Set up Instant Pay and launch your branded spend cards today.