What Multi Service Fuel Card does

Multi Service Fuel Card, operating under the legal entity MS Fuel & Energy, LLC, is a privately held provider of fleet fuel cards and payment solutions for the trucking industry, founded in 1978 and headquartered at 8620 W 110th St, Suite 100, Overland Park, Kansas, with 251–500 employees. The company serves owner operators with 1–10 trucks, medium and large fleets of 10+ trucks, and mixed-vehicle fleets across the US and Canada through two principal card products: the OTR Fuel Card, accepted at over 9,000 truck stop locations, and the Mixed Fleet Card, accepted at more than 230,000 fuel and maintenance locations. The platform combines proprietary fraud protection via One-Time PIN dynamic authentication, a mobile application delivering real-time fuel-price visibility, fuel-station locator, truck-profile-based route planning, and a web-based fuel management system with custom reporting and 39+ transportation management system (TMS) integrations. Supporting modules include NACM bureau credit reporting, Bill By Department general-ledger coding, IFTA filing support, three credit-line structures (unsecured, secured, prepaid), and non-fuel purchases under the More Than Fuel umbrella.

The business monetizes through take-rate economics on fuel transactions (negotiated collective-buying-power discounts at truck stops) plus credit-service fees on unsecured, secured, and prepaid lines. Pricing is quote-based and varies by customer lane, volume, and brand preference. Distribution is omnichannel: a self-serve online application portal, inside phone sales at (866) 951-9884, dedicated account managers for personalized discount negotiation, and 24/7/365 live customer service with sub-25-second hold times. Marketing spans SEO landing pages, a content blog, social channels (Facebook, Instagram, LinkedIn, TikTok), and trucking-industry events including driver appreciation pop-ups at truck stops. The company operates without public financial disclosure, identifiable institutional investors, or parent-company ownership on record, and is led by CEO Aaron Decker.

Name

Multi Service Fuel Card

Legal name

MS Fuel & Energy, LLC

Website

https://multiservicefuelcard.com

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

251–500 employees

Short description

Multi Service Fuel Card provides diesel fleet fuel cards and payment solutions for owner operators and trucking fleets in the US and Canada, offering fraud-protected transactions, mobile fuel planning tools, and credit options through its Overland Park-based MS Fuel & Energy, LLC.

Ownership category

akta.pro rank

Product category

Fleet Fuel Card Services

SIC

Transportation Services (4700)

akta.pro primary industry

Fuel Card & Fleet Payment Programs (TLABAMAA)

akta.pro secondary industry

Fuel Management & Fleet Card Programs (THADAKAH)

Keywords

• Fleet fuel cards
• Diesel fuel discounts
• Fleet management
• Trucking payment solutions
• Fuel expense management

Headquarters

HQ city

Overland Park

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Fuel Card Transaction Fees: Multi Service Fuel Card generates revenue through transaction fees on fuel purchases made with their fuel cards. Customers access discounted fuel prices at truck stops, and the company leverages collective buying power to negotiate savings that are passed on to customers while generating margin on transactions.
2. Credit Line Services: Provides unsecured, secured, and prepaid credit solutions to fleets. Unsecured credit lines for established fleets with credit history offer operational cash flow. Secured lines require advance funding. Prepaid cards allow fleet owners to add funds in advance. Revenue derives from credit extended and associated fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Multi Service Fuel Card provides diesel fuel cards and fleet management solutions for the trucking industry. Its core offerings consist of the OTR Fuel Card (accepted at 9,000+ truck stops in the US and Canada) and the Mixed Fleet Card (accepted at 230,000+ fuel and maintenance locations), along with a mobile app, web-based fuel management platform, credit solutions, and custom reporting with TMS integrations.

Product overview

Multi Service Fuel Card is a platform providing diesel fuel cards and fleet management solutions for the trucking industry. The core offerings consist of two distinct fuel card products: the OTR Fuel Card for over-the-road trucking fleets accepted at over 9,000 truck stop locations, and the Mixed Fleet Card for regional diesel fleets offering acceptance at 230,000+ locations. The product portfolio includes a complementary Mobile App providing real-time fuel price visibility, fuel locators, truck profile management, and card controls. Supporting modules include a Web-based Fuel Management System for transaction controls and fleet oversight, Custom Reporting with 39 TMS software integrations, Flexible Billing Options with Bill By Department functionality, and three credit solutions (Unsecured Credit Line, Secured Credit Line, and Prepaid Fuel Card) for fleets at different credit stages. Additional services include More Than Fuel for non-fuel purchases at truck stops and a Price Discovery Email Service for customized pricing data.

Differentiator

Problem solved

Functional benefit

Brands

• OTR Card: Over-the-road fuel card designed for fleets requiring nationwide fueling solution with acceptance at over 9,000 truck stops.
• Mixed Fleet Card

Products and services

• OTR Fuel Card
• Mixed Fleet Card
• Multi Service Fuel Card Mobile App
• Fuel Management System
• Unsecured Credit Line
• Secured Credit Line
• Prepaid Fuel Card
• More Than Fuel
• Price Discovery Email Service

Quantifiable outcome

• Save up to 45 cents per gallon on fuel purchases
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Radius ForgecoreStrategic or Co-development Partner · 1 January 2024Alliance to enhance operational cost savings for small fleets. The partnership combines Multi Service Fuel Card's fuel card network and discount capabilities with Radius Forge's operational solutions to provide comprehensive cost optimization for small trucking businesses.
• Love's Travel StopscoreOthersMajor national truck stop chain partner where Multi Service Fuel Card is accepted. Part of the 9,000+ location acceptance network providing cash price fuel discounts to cardholders.
• TA/Petro (TravelCenters of America)coreOthersMajor national truck stop chain partner where Multi Service Fuel Card is accepted. Part of the nationwide acceptance network.
• Pilot/Flying JcoreOthersMajor national truck stop chain partner where Multi Service Fuel Card is accepted. Part of the acceptance network across the US and Canada.
• RaceTraccoreOthersRegional truck stop brand added to merchant network, expanding acceptance. Multi Service Fuel Card has conducted driver appreciation pop-up events at RaceTrac locations.
• SpeedwaycoreOthersTruck stop brand added to merchant network for expanded acceptance and fuel discount access.
• 7FleetminorOthersRegional truck stop brand in the acceptance network.
• Casey's General StoresminorOthersRegional convenience store chain with truck stop locations in the acceptance network.
• KwikTripminorOthersRegional truck stop and convenience store chain partner in the acceptance network.
• Roady's Truck StopsminorOthersRegional truck stop network partner providing fuel discount acceptance.
• SheetzminorOthersRegional convenience store and truck stop chain in the acceptance network.
• MaverikminorOthersRegional truck stop chain in the western US included in the acceptance network.
• QuickTrip (QT)minorOthersRegional truck stop chain partner in the acceptance network.
• NACM (National Association of Credit Management)coreOthersCredit reporting partnership where Multi Service Fuel Card reports customer credit activity to NACM, helping businesses establish and maintain credit profiles and assisting other businesses in making informed credit decisions.
• TMS Software Partners (39+)coreTechnology or IntegrationIntegration partnerships with 39+ transportation management systems allowing seamless data exchange for account reconciliation, IFTA filing, and driver settlements.

Scale indicators11 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• WEX Inc. Largest dedicated fleet card and payment solutions provider in North America, serving commercial fleets with universal fuel cards, fleet management, and corporate payments. Most directly comparable competitor to Multi Service Fuel Card at scale.
• Corpay (Comdata): Major fleet card and trucking payments platform serving over-the-road carriers with fuel discounts, factoring, and fleet management. Direct competitor in diesel fuel card acceptance and discount negotiation with truck stops.
• EFS (Element Fleet): Trucking-specific fuel card and back-office payment provider for motor carriers, with direct overlap on OTR trucking fuel discounts and fleet payment solutions comparable to MSFC's OTR Card.

Emerging players

• AtoB: Fuel card and fleet payments platform focused on trucking and commercial vehicle operators, offering discounts at major truck stop networks. Comparable SMB trucking segment focus with modern technology stack.
• Fleetio: Modern fleet management software platform with integrated fuel card and fuel expense tracking, targeting small and mid-sized fleets. Represents the software-led, fintech-style competitive threat to legacy fuel card providers.
• Coast: Fintech-driven fuel card and fleet expense management platform targeting commercial fleets and trucking companies. Competes on modern UX, faster onboarding, and integrated spend management against legacy diesel fuel card players.

Others

• Samsara: Cloud-based fleet operations platform with telematics, fuel tracking, and spend management for commercial fleets. Adjacent competitor expanding into the fleet financial management layer that MSFC's TMS integrations also serve.
• Brex: Corporate card and spend management platform with fuel and fleet expense capabilities. Broader business-card competitor rather than a direct trucking fuel card peer, but increasingly serves SMB commercial fleet customers.

Broad incumbents

• Pilot Travel Centers: Largest truck stop operator in North America and a core MSFC merchant partner. Operates proprietary loyalty/fuel programs and could vertically integrate payments, representing both partnership opportunity and competitive threat.
• Love's Travel Stops: Major truck stop chain and core MSFC acceptance partner. Operates its own fleet card and loyalty offerings, representing a vertically-integrated incumbent that could expand proprietary card capabilities to disintermediate third-party fuel card programs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/MSFuelCard
• Facebookfacebook.com/multiservicefuelcard
• LinkedInlinkedin.com/company/multi-service-fuel-card
• Instagraminstagram.com/multiservicefuelcard
• TikToktiktok.com/@multi.service.fuel.card

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Multi Service Fuel Card