Startups > AtoB

AtoB

AtoB helps trucking fleets manage payments transparently with modern fuel cards and payroll.

Debt Financing $346M total Founded 2019 San Francisco, California 133 employees

AtoB is a fintech platform modernizing payments infrastructure for trucking and logistics companies. It provides zero-fee fuel cards, instant payroll, and real-time vendor payments built on Mastercard's network rather than legacy closed systems. The platform serves fleets of all sizes with transparent pricing, fuel discounts averaging 42¢ per gallon, and anti-fraud tools designed specifically for the transportation industry.

Problem solved

Trucking and logistics companies were stuck with 1980s-era payment infrastructure—unreliable fuel cards with poor merchant acceptance, slow payment processing, and complex payroll solutions.

Target customer

Fleet operators and logistics companies of all sizes, from independent owner-operators to large commercial fleets managing hundreds of drivers.

Website LinkedIn Crunchbase Twitter / X

Founders

Vignan Velivela

CEO & Co-Founder

Former engineer at Cruise Automation (self-driving car company) working on robotics software.

Tushar Misra

Co-Founder

Former operational and growth lead at Uber India.

Harshita Arora

Former Co-Founder

Serial entrepreneur who dropped out of school at 14 to build companies.

Funding history

Series C $130M September 19, 2024 Led by General Catalyst · Bloomberg Beta, Mastercard, trucking and logistics industry players

Series B $155M August 16, 2022 Led by General Catalyst · Elad Gil, Collaborative Fund, Contrary Capital, XYZ Venture Capital, Leadout Capital

Seed/Early-Stage Unknown 2019-2021 Led by Y Combinator · Eric Schmidt, Marc Benioff (TIME Ventures), Naval Ravikant, DoorDash founders, Coinbase founder, Instacart CEO

Total raised: $346M

Industries

FinTech Payments Sustainability Transportation

Pricing

AtoB Flex: $35 setup + $15/month for first 5 cards, then $3/card/month. AtoB Unlimited: $35 setup + $3/card/month. Optional premium security features: $3/card/month. Net 7 payment terms (full weekly payment required). Late fees: 9% minimum $99 if overdue, plus 6% minimum $99 after 30 days. Instant transfers to drivers: 1% fee.

Notable customers

Uber Freight, Thumbtack, Infinity Energy, Kyte, uShip

Integrations

Mastercard, Stripe, HubSpot, Google Analytics, Zendesk, AWS

Tech stack

GSAP (JavaScript frameworks) bxSlider (Photo galleries) Splide (JavaScript libraries) jQuery (JavaScript libraries) core-js (JavaScript libraries) Zendesk (Documentation) Open Graph LottieFiles Zoominfo (Analytics) HubSpot Analytics (Analytics) Microsoft Clarity (Analytics) Hotjar (Analytics) Google Analytics (Analytics) FullStory (Analytics) Facebook Pixel (Analytics) Linkedin Insight Tag (Analytics) Sentry (Issue trackers) HSTS (Security) Google Font API (Font scripts) Font Awesome (Font scripts) Apple iCloud Mail (Webmail) Google Workspace (Email) Google Hosted Libraries (CDN) Amazon S3 (CDN) jsDelivr (CDN) cdnjs (CDN) Cloudflare (CDN) 6sense (Marketing automation) HubSpot (Marketing automation) Linkedin Ads (Advertising) Microsoft Advertising (Advertising) Stripe (Payment processors) Google Tag Manager (Tag managers) Webflow (Page builders) Amazon Web Services (PaaS) Google Optimize (A/B Testing)

Website

atob.com/

Competitors

Relay

Competitor in fleet payments space but lacks the modern Mastercard-based infrastructure and fuel discount network that AtoB offers.

WEX

Legacy fuel card provider with outdated closed-network architecture and limited merchant acceptance compared to AtoB's Mastercard integration.

Corpay

Broader corporate payments platform but lacks AtoB's specialized focus on trucking industry needs and transparent zero-fee model.

Wright Express

Established fuel card company with legacy infrastructure; AtoB differentiates with modern technology, better acceptance, and purpose-built fleet solutions.

RoadFlex

Competitor in fleet management space but lacks AtoB's integrated payments, payroll, and fuel discount ecosystem.

Why this matters: AtoB has raised $346M at a significant valuation by addressing a massive, fragmented market (trucking/logistics) with 1980s-era payment infrastructure. The company's 500% year-over-year revenue growth, strategic partnerships with Uber Freight, and backing from top-tier investors (General Catalyst, Bloomberg Beta, Eric Schmidt) demonstrate strong product-market fit in a traditionally underserved industry.

Best for: Fleet operators and logistics companies seeking modern, transparent payment solutions with fuel discounts and reliable card acceptance without hidden fees.

Use cases

Fleet Fuel Cost Reduction

A 50-truck logistics company uses AtoB fuel cards to access its truck stop discount network, saving an average of 42¢ per gallon on diesel. Over a year, this translates to significant savings across their entire fleet without changing driver behavior or operational workflows.

Instant Driver Payroll

A mid-size owner-operator cooperative uses AtoB's instant direct-deposit payroll to pay drivers within 24/7/365 availability, eliminating payroll processing delays. Drivers receive funds immediately after completing runs, improving satisfaction and retention.

Fraud Prevention and Financial Controls

A large fleet management company implements AtoB's anti-fraud tools and real-time vendor payment controls to monitor driver spending, prevent unauthorized transactions, and maintain compliance with company fuel policies across hundreds of cards.

Alternatives

Relay Choose Relay if you need broader financial services beyond fuel cards, though AtoB's Mastercard acceptance and fuel discounts are typically superior.

WEX Choose WEX if you're an enterprise fleet with legacy system integrations, but AtoB's modern infrastructure and transparent pricing often better serve smaller to mid-size fleets.

Corpay Choose Corpay if you need an all-in-one corporate payments platform serving multiple industries, but AtoB's specialized transportation focus offers better industry-specific features.

FAQ

What does AtoB do? +

AtoB provides modern payment infrastructure for trucking and logistics companies, including zero-fee fuel cards accepted on Mastercard's network, instant payroll systems, real-time vendor payments, and fuel discounts averaging 42¢ per gallon. The platform replaces outdated 1980s-era payment systems with transparent, technology-driven solutions built specifically for the transportation industry.

How much does AtoB cost? +

AtoB Flex starts at $35 setup + $15/month for the first 5 cards ($3 per additional card). AtoB Unlimited is $35 setup + $3 per active card per month. Optional premium security features cost $3/card/month. Payment terms are net 7 (full weekly payment). Late fees apply at 9% (minimum $99) if overdue, plus 6% (minimum $99) after 30 days. Instant driver transfers cost 1%.

What are alternatives to AtoB? +

Relay offers broader financial services for fleet operators; WEX is an established legacy fuel card provider with enterprise integrations; Corpay provides an all-in-one corporate payments platform; RoadFlex and Wright Express also compete in the fleet payments space but lack AtoB's modern infrastructure and fuel discount ecosystem.

Who uses AtoB? +

AtoB serves over 30,000 fleet customers with more than 100,000 drivers. Notable customers include Uber Freight, Thumbtack, Infinity Energy, Kyte, and uShip. The platform serves fleets of all sizes, from independent owner-operators to large commercial logistics companies.

How does AtoB compare to WEX? +

AtoB built its fuel card on Mastercard's modern, open network while WEX uses legacy closed-network infrastructure. This gives AtoB superior merchant acceptance (99% Mastercard acceptance), faster transaction processing, better fuel discounts (up to 45¢/gallon), and eliminates the need for backup cards. AtoB also emphasizes transparent, zero-hidden-fee pricing versus traditional fuel card models.