Motive is the only platform that combines Fleet Management and Spend Management, helping finance teams maximize savings and giving them complete control of their fleet related spend. With up to 2.5% cashback on all fleet spend, fuel rebates at over 35,000+ locations, and comprehensive fraud and spend controls, Motive Card helps organizations reduce costs and manual effort, and increase profitability.
As fraud continues to impact businesses of all sizes, protecting fleet spend has never been more important. That’s why, at Vision 25, we announced the launch of our new Fraud Protection Guarantee for Motive Spend Management. This advanced fraud protection program offers industry-leading protection of up to $250,000 annually against fraud and unauthorized spend when using Motive Card’s fraud and spend controls.
For companies that operate fleets of vehicles, the risk of fraud can manifest in several ways. From card skimming to out-of-policy spend — even fueling personal vehicles on the company dime — it can be difficult to spot this hidden hazard. Leaders estimate that roughly 5% of fuel spend is lost to fraud — meaning a company operating a 500-vehicle fleet could be losing up to $250K a year to fraud.
That level of exposure makes it critical to have systems in place that can catch suspicious activity early and protect every dollar spent on fuel.
Motive’s comprehensive fraud prevention includes:
- Mobile-Based Unlock — your first line of defense: Prevent card skimming and unauthorized transactions by requiring drivers to unlock their Motive Card via the Motive Driver App or SMS before any purchase. This added layer of security ensures that only authorized cardholders can use the card, even if it’s lost or stolen.
- AI-powered fraud detection and auto-declines —stop fraud before it happens: Motive is the only AI platform with natively integrated fleet and spend management. This means we can pair vehicle telematics data with Motive Card spend data for the fastest and most accurate fraud detection. With this powerful combination of data, our AI can instantly identify and automatically decline suspicious transactions and unauthorized spending.
Key fraud controls include:
- Vehicle proximity auto-declines: Prevent a common type of fuel fraud by automatically rejecting transactions where the vehicle’s location doesn’t match the fuel station.
- Fuel tank threshold auto-declines: Coming soon, prevent side-fueling and other potential misuse by setting maximum fuel tank capacity limits. If the vehicle tank is already at its limit, fuel transactions will be declined.
- Smart AI monitoring: Behind the scenes, our sophisticated AI models continuously analyze transaction patterns, identifying and preventing potential fraudulent activity before it impacts your business.
- Customizable spend controls — tailor limits to meet your business needs: Motive Card’s highly customizable spend controls give you complete control over how and where your cards can be used. You can set limits based on the following and more:
- Time: Define spending windows by day, week, month, or billing cycle.
- Amount: Set transaction limits as well as daily, weekly, monthly, or billing cycle spending caps.
- Cash Advances, if applicable: Control or restrict cash advance withdrawals.
- Categories: Limit spending to specific merchant categories.
- Merchant controls: Restrict transactions at unauthorized merchant locations. Coming soon, auto-decline transactions at expensive merchants when a cheaper alternative is available close by.
With reliable spend controls and up to $250,000 in fraud protection, Motive gives you the confidence to stay ahead of fraud — not just react to it. To learn more, visit our fraud page or talk to your Motive representative.
Source: $250K in potential fraud assumes a 500 vehicle fleet spends roughly $5M on fuel every year and 5% of that spend is fraudulent. That is an average annual gallon amount of 1,394,984 and assumes a cost of $3.59 per gallon of diesel.
