Cardless payments are often seen as the future of commercial road transport, but not all cardless models work in CRT. This article explores why app-based solutions struggle to scale and how one-time codes, tokenisation, and real-time controls offer a more practical, CRT-native path forward—without breaking existing authorisation and settlement infrastructure.

Great Tech, Wrong Segment? explores the widening gap between the mobility payments innovation being built today and the realities of the commercial road transport (CRT) sector. While B2B mobility solutions have rapidly evolved—introducing in-app payments, tokenisation, machine-learning fraud checks, digital receipts, and real-time data feeds—the article argues that most of this innovation is still designed around corporate car fleet logic, not the demanding world of internati

When it comes to open-loop fleet cards, one question keeps resurfacing: how do you balance compliance with practicality? The Driver Card that requires a new PIN for rotating drivers, and card-based KYC processes with unnecessary steps that slow down onboarding. The open-loop future will depend on collaboration between schemes, issuers and fleet experts to define what “good” looks like. This is our take in a common-sense framework that works for schemes, issuers and the fleet