Shell FleetPayDigital Mobility Shell India · Digital MobilityShell FleetPayOne platform for fleet cards, wallets and acceptance
A production-ready, white-label B2B fleet card and closed-loop wallet platform for Shell's retail network — issuing, acceptance, money movement, engagement and analytics in a single governed system, delivered in weeks rather than years.
Digital mobility needs a payments backbone, not another app
Shell's fleet business runs on trust, control and reconciliation. Today those depend on fragmented tooling, manual limits and delayed settlement visibility. FleetPay consolidates the entire value chain into one auditable platform.
FleetPay replaces this with a single source of truth: every card, wallet, outlet, device and rupee is traceable from issuance to settlement, with maker-checker controls and a complete audit trail for finance and internal audit.
Six capability pillars, one operating system
Each pillar is already built, integrated and demonstrable — not a roadmap commitment.
Fleet customer lifecycle
Digital onboarding, KYC, credit limits, drivers and vehicles — one governed customer master for every B2B fleet relationship.
Acceptance network
Merchant → outlet → POS device hierarchy with serial-number level control and remote device parameter management.
Card programme
Limit profiles, velocity rules, reload denominations, scheme artwork templates and end-to-end fulfilment.
Closed-loop money
Corporate wallets, maker-checker fund transfers, auto reload, statements, ledgers and daily settlement.
Transaction control
Live authorisation monitor, fraud scoring, refunds, reversals, adjustments and immutable audit trails.
Insight & governance
CXO command centre, analytics surfaces, scheduled reporting, export centre and role-based access control.
A layered platform, engineered for scale and audit
Channels sit on a governed core; the core sits on a hardened data and integration foundation. Every layer is independently observable.
Experience layer
Role-aware web console plus field apps for drivers and forecourt operators.
Business services
The functional core — issuing, acceptance, money movement, engagement.
Transaction & switching
Authorisation, risk decisioning and lifecycle events with sub-second response.
Data, integration & security
Bank, SAP and gateway connectivity on an encrypted, fully audited data plane.
From wallet top-up to reconciled settlement
One continuous, controlled flow — every step timestamped, limit-checked and reconcilable.
Fund
Corporate wallet topped up; funds allocated to sub-wallets with maker-checker.
Issue
Physical card or virtual wallet issued against a limit and velocity profile.
Fuel
Driver taps card or scans QR at the pump; vehicle and odometer captured.
Authorise
Limits, velocity and fraud rules evaluated in real time before approval.
Settle
Batch closes at the terminal; outlet and merchant settlement files generated.
Reconcile
Ledger, bank and SAP three-way match with exception queues and audit trail.
A sophisticated prepaid programme, not a card list
Physical cards and virtual wallets share one control plane — limits, velocity, reload and fulfilment.
Exhaustive limits
Daily, monthly and lifetime value and count caps — per card, customer, product and merchant category, with instant override workflow.
Velocity & fraud
Geo-velocity, repeat-transaction and amount-deviation rules feeding a live risk score on every authorisation.
Reload engine
Single or multi-reload, fixed denominations, auto reload thresholds and scheduled corporate disbursements.
Fulfilment lifecycle
Scheme artwork templates, personalisation file generation, dispatch with AWB tracking and returns management.
Device governance
Terminal ID and hardware serial per POS, with remote parameters: batch closure, batch size, retries, printing preferences.
Control & access
Seven roles with view, create, edit, delete, approve, export, print and configure permissions across every module.
Apps that make the network move
A consumer-grade wallet app for fleet drivers and a rugged operator app for the forecourt terminal — both in Shell's brand language.
Customer wallet app — balance, QR fuelling, card controls, limits, loyalty and statements in the driver's pocket.
POS operator app — pump selection, card and QR acceptance, PIN capture, receipt printing and shift batch closure on the EDC terminal.
Engagement and executive insight
Acquire, retain and grow fleet wallet share — then prove it with board-grade analytics.
CRM, campaigns, offers and loyalty
Segment the fleet base, run targeted fuel offers and reward consistent volume — all from within the platform, with attribution back to transactions.
Analytics for the board and the back office
A CXO command centre over fuel, fleet, card, wallet and settlement data, with a self-service builder and scheduled distribution to stakeholders.
What Shell gains
Outcomes the executive committee can measure within the first two quarters of go-live.
Reduction in fleet activation cycle through guided digital onboarding.
Manual back-office matching removed by the automated three-way engine.
Contained through limit profiles, velocity rules and live fraud scoring.
Uplift potential from targeted offers, loyalty and rewards on fuel spend.
| Dimension | Today | With Shell FleetPay |
|---|---|---|
| Customer onboarding | Manual forms, offline KYC | Guided digital workflow with maker-checker |
| Limit control | Static, changed offline | Daily / monthly / lifetime, real-time override |
| Terminal estate | Spreadsheet of serials | Device master with remote parameter push |
| Reconciliation | Periodic, manual | Automated ledger, statement and settlement |
| Insight | Static reports | Command centre, AI insights, scheduled exports |
A working platform is on the table today.
Every module in this deck is built and operational. The commercial proposal sets out scope, architecture, deliverables, milestones and pricing for a Shell-hosted deployment.