The Complete Fleet Card Payment Infrastructure.

Launching a card program should open new revenue opportunities — not create new operational headaches. Reins gives fuel retailers and mobility businesses the complete card issuance, processing, and billing infrastructure to go to market quickly, stay compliant, and scale without switching platforms.

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Essentials For Payment Solutions.

Issue Payment Card

One Platform to Issue Every Card Type You Need.

Whether you're running a closed network tied to your stations, an open-loop program accepted anywhere, or both in parallel, Reins manages the full lifecycle from a single system.

Any Card Type

Fuel, EV charge, prepaid, and open-loop scheme cards — credit, debit, charge, or prepaid — all under one platform.

Spending Controls

Configure spending controls and product restrictions per card, driver, or fleet.

White-Label Programs

Support white-label programs so your brand leads the customer experience.

PCI DSS, PSD2 & Licensing
Built-In Fraud Protection
A Single Card to Millions
Seamless API Integration

Payment Processor

A Processing Layer Built for Fleet-Grade Volume.

Reins's processing engine handles authorization, settlement, and clearing across transaction types, giving you full visibility and control at every step of the payment flow.

Real-Time Authorization

Configurable rule logic — every decision made in under 2 seconds.

Multi-Scheme Settlement

Settlement and clearing across multiple card schemes and networks, closed-loop and open-loop in parallel.

Full Audit Trail

Every authorization, reversal, and exception captured and accessible in real time.

Under 2 Seconds
Multi-Region Redundancy
Handles Volume Spikes
Real-Time Financial Visibility

Card Management System

The Operational Backbone of Your Card Program.

Whether you're running a closed network, an open-loop program, or both simultaneously, Reins's Card Management System gives you full control from one place.

Full Card Lifecycle

Issuance, activation, suspension, replacement, and cancellation, all in one place.

Real-Time Analytics

Transaction volume, active cards, spending trends, and program health at a glance.

API & Webhook Access

Real-time transaction notifications for instant visibility and immediate control.

Multi-Tier Account Structures
Daily Data Exports
Corporate Admin Controls
Multi-Currency Rate Visibility

Open Loop Card Support

Broader Acceptance Without Giving Up Fleet-Grade Control.

Reins enables fuel retailers and mobility businesses to run open-loop card programs while preserving the fleet-grade controls, data visibility, and invoicing workflows closed-loop programs rely on.

Universal Acceptance

Visa and Mastercard networks — fuel, EV charging, tolls, parking, and beyond.

Fleet-Grade Controls

Product restrictions, merchant category filters, geo limits, and time windows, enforced at the network level.

Phased Migration Path

Legacy and evolved card logic coexist during transition, with no disruption to fleet operations.

Open + Closed Loop in Parallel
VAT-Ready Invoicing
Consolidated Reporting
PCI DSS & PSD2 Compliant

Cash Flow Control

Real-Time Rating and Billing.

Fuel retail operates on margins where timing matters. Reins replaces end-of-day batch processing with real-time rating and billing.

Real-Time Tariffs

Price applied instantly at point of transaction, not in batch.

Automated Invoicing

Automated invoice generation that reduces manual reconciliation and billing errors.

Accurate Forecasting

Cash flow forecasting based on live transaction data, not yesterday's batch.

If/Then Rule Automation
Automatic Tax & VAT Classification
Per-Segment Contract Logic
No Manual Overrides

Authorization Server

A Dedicated Decision Engine for Every Transaction.

Reins offers a dedicated, configurable authorization server — the decision engine that determines whether a transaction is approved or declined, in real time.

Configurable by Rule

Dynamic authorization logic configurable by business rule, not hardcoded in the processing layer.

Complex Auth Flows

Supports complex credit and prepaid authorization flows, including partial approvals and deferred validation.

Fully Integrated

Fully integrated with your card management and fraud systems — decisions informed by live account state.

Balance & Limit Checks
Merchant Category Filters
Partial Approvals
External Validation Support

Billing & Invoicing

Multi-Language, Multi-Currency, Tax-Compliant.

Operating across markets means navigating different languages, currencies, VAT structures, and invoicing requirements. Reins's billing engine is built for that complexity.

Multi-Currency Invoicing

Multi-language and multi-currency invoice generation, configured per customer or market.

Automated Reconciliation

Connects directly to your finance and accounting workflows — no manual bridging.

Flexible Billing Cycles

Multiple billing cycles based on product, cost center, location, or ledger.

VAT-Compliant Invoicing
Full Audit Trail
Custom Invoicing Intervals
Real-Time Currency Conversion

Digital Wallet

Your Card, on Every Device Your Customers Use.

Reins supports digital wallet issuance and management, enabling contactless payments, virtual card issuance, and in-app authorization alongside your physical card program.

Instant Virtual Cards

New customers can start paying before a physical card arrives; lost cards replaced in seconds.

Apple Pay & Google Pay

Mobile payment via digital wallet integration, plus an embedded in-app mobile wallet.

Unified Management

Virtual and physical cards from the same platform with unified controls and reporting.

No Physical Card Required
Wallet Provider Compliance
Cloud-Based Architecture
Scales Across Currencies

Corporate Payment Solutions (CPS) & Expense Management

One Card. One Platform. One Growth Engine That Didn't Exist Before.

Whether you're a financial institution expanding into mobility, a corporate fleet managing multi-category expenses, or a mobility player like a toll operator capturing more value from every journey, Reins gives you the infrastructure to do it.

Multi-Category Cards

Fuel, EV charging, T&E, maintenance, and approved expenses under a single program.

Automated Expense Capture

Automated capture and categorization, reducing manual reporting and finance overhead.

Multi-Currency, Multi-Country

Launch corporate card programs across markets without rebuilding the infrastructure.

Real-Time Policy Enforcement
Instant Virtual Cards
ERP-Ready Reporting
Configurable Fee Structures

Issue Payment Card

One Platform to Issue Every Card Type You Need.

Whether you're running a closed network tied to your stations, an open-loop program accepted anywhere, or both in parallel, Reins manages the full lifecycle from a single system.

Any Card Type

Fuel, EV charge, prepaid, and open-loop scheme cards — credit, debit, charge, or prepaid — all under one platform.

Spending Controls

Configure spending controls and product restrictions per card, driver, or fleet.

White-Label Programs

Support white-label programs so your brand leads the customer experience.

PCI DSS, PSD2 & Licensing
Built-In Fraud Protection
A Single Card to Millions
Seamless API Integration

Issue Payment Card — One Platform to Issue Every Card Type You Need.
Whether closed-loop, open-loop, or both in parallel — manage the full lifecycle from a single system.
Whether you're running a closed network tied to your stations, an open-loop program accepted anywhere, or both in parallel, Reins manages the full lifecycle from a single system.
Payment Processor — A Processing Layer Built for Fleet-Grade Volume.
Authorization, settlement, and clearing — without building or maintaining proprietary infrastructure.
Reins's processing engine handles authorization, settlement, and clearing across transaction types, giving you full visibility and control at every step of the payment flow.
Card Management System — The Operational Backbone of Your Card Program.
End-to-end control over every card, every account, every commercial relationship.
Whether you're running a closed network, an open-loop program, or both simultaneously, Reins's Card Management System gives you full control from one place.
Open Loop Card Support — Broader Acceptance Without Giving Up Fleet-Grade Control.
Accepted anywhere Visa or Mastercard is — with the controls closed-loop programs were built around.
Reins enables fuel retailers and mobility businesses to run open-loop card programs while preserving the fleet-grade controls, data visibility, and invoicing workflows closed-loop programs rely on.
Cash Flow Control — Real-Time Rating and Billing.
Every transaction priced, validated, and recorded the moment it happens.
Fuel retail operates on margins where timing matters. Reins replaces end-of-day batch processing with real-time rating and billing.
Authorization Server — A Dedicated Decision Engine for Every Transaction.
The system enterprise-grade programs usually pay for separately. At Reins, it's part of the platform.
Reins offers a dedicated, configurable authorization server — the decision engine that determines whether a transaction is approved or declined, in real time.
Billing & Invoicing — Multi-Language, Multi-Currency, Tax-Compliant.
Every invoice accurate, compliant, and ready to send — wherever your customer or your business is located.
Operating across markets means navigating different languages, currencies, VAT structures, and invoicing requirements. Reins's billing engine is built for that complexity.
Digital Wallet — Your Card, on Every Device Your Customers Use.
A modern, mobile-first payment experience, without replacing the card program you've built.
Reins supports digital wallet issuance and management, enabling contactless payments, virtual card issuance, and in-app authorization alongside your physical card program.
Corporate Payment Solutions (CPS) & Expense Management — One Card. One Platform. One Growth Engine That Didn't Exist Before.
Fleet spend doesn't end at the pump, and corporate spend doesn't end at the fuel station.
Whether you're a financial institution expanding into mobility, a corporate fleet managing multi-category expenses, or a mobility player like a toll operator capturing more value from every journey, Reins gives you the infrastructure to do it.

500ms

P99 Authorization Decision

$3B+

Processed to Date

30M+

Online Transactions / Year

Platform for Open + Closed Loop

4–5

Legacy Systems Replaced / Project

How Reins Compares to a Traditional Payment Processing Setup.

Most fleet programs stitch together a processor, an authorization engine, and a billing system separately. Reins is one platform.

Capability	Typical Platform		Business Impact
Card issuance	Often a separate vendor per card type	Fuel, EV, prepaid, and open-loop scheme cards on one platform	One vendor, faster program launches
Authorization	Bundled into the processor, limited configurability	Dedicated, configurable authorization server	Your rules enforced in real time
Open + closed loop	Usually requires separate systems and data models	Run in parallel on one unified system	Migrate at your own pace, no re-platforming
Billing & invoicing	Manual reconciliation across markets and currencies	Automated, multi-language, multi-currency, tax-compliant	Close the books without manual work
Compliance	Managed separately per component	PCI DSS, PSD2, and scheme requirements built into the infrastructure	Audit-ready by default
Best for	Programs that only need to move money from A to B	Programs that need issuance, processing, and billing to work as one system	One system, lower total cost of ownership

Payment Solutions FAQ.

What's the difference between open-loop and closed-loop fuel cards?

A closed-loop card is only accepted within a single fuel retailer's own network, giving tighter control and higher margins on each transaction. An open-loop card runs on Visa or Mastercard rails and is accepted anywhere those networks are, trading some margin for much broader acceptance. Reins runs both in parallel on one platform, so a retailer can offer either — or migrate from one to the other at their own pace.

How does real-time transaction authorization work?

Reins's authorization server evaluates every transaction against configurable business rules — available balance, spending limits, product restrictions, merchant category, and time windows — and returns an approve or decline decision in real time, directly integrated with the controls fleet managers define and the account ledger.

Can one platform handle both card issuing and payment processing?

Yes. Reins combines card issuance, processing, authorization, card management, and billing in a single system, so fuel retailers and issuers don't need to integrate and maintain separate vendors for each function.

How does the platform handle PCI DSS and PSD2 compliance?

Regulatory and licensing requirements, including PCI DSS and PSD2, are handled at the infrastructure level, so compliance is built into card issuance and open-loop program design rather than managed separately by each customer.

Can it support multi-currency billing across markets?

Yes. The billing engine generates multi-language, multi-currency, tax-compliant invoices per customer or market, with support for integrating external sources for real-time currency conversion rates.

Not Sure If We Can Help?

One platform. The full payment stack. Whether you're launching a new card program, replacing fragmented legacy systems, or expanding into new revenue categories, Reins gives you the infrastructure to move faster and operate more precisely.

Ask Us Anything