The Comdata Fleetcard / Fuel Management Blog

Comdata provides innovative payment solutions to companies in industries such as trucking, construction, and aviation.

[fleetfuelcard-blog]

Vendor Enrollment - How to Develop a Strategy For Your Virtual Payment Program

Developing the strategy One of your top priorities should be to develop a vendor enrollment, or supplier enablement, strategy for your virtual debit card payment program. There are several industry-leading virtual payment processors who provide dedicated vendor enrollment teams, and your best bet is to work with one of these companies. If you're doing this on your own, however, there are several things to consider: 1. Set goals and determine metrics. Before you start, have an understanding of what success looks like. What percentage of vendors do you think you can enroll, and in what time frame? What is your ROI goal for this program? What tools will you need to track your success? 2. Determine which of your vendors already accept credit card, or even virtual payments. These vendors will be your first targets. Because they already accept these types of payments, they most likely already know the benefits involved and may require significantly less work to set up. 3. Develop your campaigns. When developing your vendor enrollment campaigns, you will want to consider three main things: vehicle, messaging, and timing. · Vehicle: How do your vendors communicate? What is the best way to reach them? Most successful vendor enrollment campaigns use a combination of phone, letter, and email communications. · Messaging: What messages will resonate most with your vendors and suppliers? What questions will they have, and what are the benefits that will have the greatest impact on each? When developing your messaging, you may want to segment your vendors by size or by industry, and tailor the wording and images used to each segment. · Timing: The schedule for each vendor enrollment campaign will vary, depending on your relationship with vendors, any internal deadlines, the size of your vendor base, and the number of vendors already enrolled. Whatever you do, make sure to create a campaign calendar in advance. Knowing which date to send which type of communication to whom will help keep you accountable and ensure that your campaigns stay on track. 4. Internal training. Any associate who touches the virtual payment program or vendor relationships should be trained on the change and how to handle vendor requests. Companies should use a variety of tactics such as email, live training sessions, online training sessions, message boards, and internal newsletters to keep employees up-to-speed. 5. Vendor support. Finally, how will you continue to support your vendors as they go through these changes in how they accept payments from your company? Who will handle any incoming questions and ensure that each vendor is comfortable with processing virtual payments?

[fleetfuelcard-blog]

Get a Paycard Program For Your Business

Below are some best practices that can guide you toward success when implementing a paycard program for your employees. · Create and communicate a measurement plan that lets managers know how paycards will be tracked and how success will be measured. Similarly, set benchmarks and metrics for your entire company, so you will know what success looks like and what it will take to get there. · Understand the resources you have available and what their capabilities are. The best laid plan will mean nothing if you don't have the staff or funds to roll it out. Tailor your implementation to fit the resources you have. · Develop an internal communications campaign that brings the conversation to your employees. Where and how do they communicate? What method will have the most impact? Consider meetings, online trainings, bulletin boards, contests, newsletters, check stuffers, and email campaigns. Ensure that messaging is consistent and that each employee understands the benefits and expectations associated with switching to the paycard payroll program. · Incorporate paycard materials into new hire packets and trainings, and make sure that both your HR and finance departments fully understand the product and are prepared to answer employee questions. · Phase your paycard rollout by region or district, depending on how your company is organized. This will allow you to learn and make necessary adjustments as you go, and it also allows you to focus your efforts on one group at a time. · Solidify an executive sponsor and your organization's commitment to this program before moving forward. This is the most important step as it will mean rock-solid presentations to upper management, clear ROI and value proposition, and a strong, feasible plan.

[fleetfuelcard-blog]

What is a vendor enrollment program?

If you’ve started looking into a virtual payment, or e-payment, solution for your company, you know that there are many benefits for both your business and your suppliers. However, instituting virtual payments for your business means that your suppliers and vendors will have to change how they accept payments.

The good news is that many vendors most likely accept credit cards already, and therefore are equipped to take virtual payments. If you have vendors that don’t already accept credit cards, it’s not a deal-breaker. Instead, look for a virtual payment provider that offers vendor/supplier enrollment support. Most providers do not offer this kind of support, so it’s important to ask this question when doing your research.

The purpose of a vendor enrollment program, also sometimes referred to as a supplier enablement program, is to register vendors who don’t currently accept credit card payments to do so, and then to set them up to receive your virtual payments. Because virtual payments are processed the same way credit card payments are processed, this will enable your vendors to begin receiving payments via your virtual payment processor.

A good vendor enrollment program uses a combination of letter, phone, and email communications to convey the benefits of enrolling to your vendors. Since accepting card payments may cause some vendors to incur an additional processing fee, it is crucial that the advantages of enrolling in this type of program are made clear. Vendor benefits include, but are not limited to:

·         Guaranteed payment through the credit card network (depending on your virtual payments processor)

·         Reduced risk of lost and stolen checks

·         Prompt settlement, minimizing payment delays and collection costs

·         Detailed remittance information

·         Status as a preferred vendor

Implementing a virtual payments solution for your business is a smart decision, and one that can have a positive impact on both your bottom line and your vendors and suppliers. Therefore, when you roll out a virtual payments program, it is important that you keep your valued vendors in mind. They are, after all, what keeps your business running. A vendor enrollment strategy is crucial to the success of any virtual payment program, as it allows vendors who are not currently receiving virtual payments to begin doing so.

Comdata Virtual Payment application is safe, secure, and easy to administer. It is ideal for mid- to large-size companies focused on achieving business process efficiency, cost savings, and incremental margin improvement.

[fleetfuelcard-blog]

Use Paycards to Pay Employees if a Natural Disaster Strikes

Using paycards to disburse employee payroll has a host of benefits, including lowered expenses due to the elimination of paper checks, increased convenience for cardholders, and reduced opportunity for lost checks and check fraud. Although not as publicized, paycards also have a tremendous benefit over other types of payroll disbursement when it comes to paying employees during natural disasters.

A payroll card is a prepaid card onto which payroll administrators can load funds for banked and unbanked employees. Paycards are distributed upon employment, then automatically or manually loaded each pay period. Upon employment, employees keep their paycards in their possession and can access their funds via ATM or at retail locations. Paycards can be loaded from any location, so when natural disaster strikes, you can pay your employees instantly when they need it most.

There are numerous examples of companies who have paid employees during hurricanes and floods, when other companies could not. Employees keep their paycards in their possession, so when mail service has halted to a particular area, employees on the paycard program still have access to their funds. Since paycards are accepted at most ATMs, employees are able to withdraw cash, even when banks are closed. They can also request cash back at most retail locations that accept debit cards. At times when your employees need emergency funds more than ever, your company can rely on paycards.

[fleetfuelcard-blog]

Are Virtual Payments Safe?

What is a virtual payment?

A virtual payment is just that - a payment to your vendors that can be made electronically. Many companies find that virtual fees can be a great complement to paper and ACH payments. A unique account number is generated for every vendor payable, lowering the turnaround time for payments, reducing the risk of fraud, and making payments easy to track and analyze.

How do virtual payments work?

The process may vary from company to company. Essentially, your payables disbursement file is submitted to your processor. A virtual mastercard number may be created for each vendor payment and delivered to suppliers by an e-mail remittance advice. Your vendors can process this payment as they would process any other, and they often receive settlement much faster than they might with other payment types. Your processor may then return an electronic file to your company for reconciliation.

Are they safe?

Yes, virtual payments can actually be safer than other forms of payment. Since everything is done electronically, you do not have to worry about lost or stolen checks, and unique vendor payable numbers protect your actual account information from being compromised.

[fleetfuelcard-blog]

Purchasing Program For Your Business

• Know who to involve

Executive sponsorship is key to rolling out any enterprise-wide initiative, particularly when it has to do with company financials. Executive sponsors will help you to push your purchasing program through and escalate when necessary, and they will provide the general support you may need to get buy-in from all involved stakeholders.

Most successful purchasing programs are run by a dedicated program administrator, who is responsible for effectively managing the program to ensure its continued growth and compliance to policy, as well as reporting metrics and challenges to senior leadership.

Finally, be sure to involve team members from your IT, tax, procurement, and finance departments. These members will help you to integrate the program with any existing systems, ensure compliance to internal and external regulations, and ensure that your new expense management solution stays on track. 

• Communicate, communicate, communicate

Starting a new program means that stakeholders will have questions and will want to know where to find the answers. Communications should run from executive leadership to cardholders, and should certainly involve the program administrator and management. Consider various forms of contact to determine which will work best for your company. Some companies have found that an interactive intranet site works best, while others have found that a weekly newsletter is most effective.

Be sure to continuously listen to your cardholders’ and vendors' feedback, as it will help you optimize your purchasing program, and post policies and other vital information in an easily accessible place.

• Take advantage of reporting and data analytics

Use data from your purchasing card provider to make smart business decisions. Understand where your company is spending, how much, and on what. Look for patterns, as well as outliers, and set appropriate spending and transaction limits per card, per employee, or per merchant. Search for opportunities to consolidate your company's vendor spend. If you are currently spending small amounts at many vendors, consolidating your spend to several key vendors will give you the volume you need to ask for greater discounts for your company.

[fleetfuelcard-blog]

Who Files 2290 Tax?

If you are active in the trucking industry, you have most likely heard of the 2290 tax. This annual tax is sometimes referred to as the Heavy Vehicle Use Tax (HVUT) or Heavy Highway Vehicle Use Tax (HHVUT). The 2290 tax is collected by the federal government once a year, then distributed out to states for maintenance and construction of U.S. highways.

Who has to file this tax?

This tax is geared toward businesses that use roads heavily and frequently. If you own a commercial vehicle that weighs over 55,000 lbs, you are responsible for filing this tax every year. This tax also applies to new vehicles. The 2290 tax form on new vehicles over 55,000 lbs is due by the end of the month following the date that the vehicle was first used on public highways, regardless of when the vehicle was purchased.

When is it due?

The 2290 must be filed each year by August 31, to avoid facing late fees and penalties.

Filing options

There are two ways to file this tax: manual and electronic.

To file the 2290 manually, either visit the nearest IRS office to pick up a copy, or download and print from a trusted online source. 2290 taxes that are filed manually are also processed manually.

To file the 2290 electronically, first make sure that your e-filing service of choice is authorized by the IRS ( a complete list can be found here:http://www.irs.gov/efile/lists/0,,id=119598,00.html ). Companies that have been authorized by the IRS have passed the IRS Assurance Testing System (ATS) or Business Acceptance Testing (BATS) requirements, which means that their software can provide correct data in the proper format for processing by IRS systems. An IRS authorization does not mean that the company's e-filing system includes every possible scenario. Because of this, check to make sure that you are working with a reputable e-filer.

[fleetfuelcard-blog]

Using Virtual Credit Cards

Consumers use virtual credit cards to prevent identity and data theft, which is on the rise as people are spending more money online.

A virtual credit card is created when a computer program that the user has downloaded generates a random credit card number. This number is then linked to an account and is used in the same way that a normal credit card is. A virtual mastercard can be generated on demand and on the spot. By using a different number every time a purchase is made, it is impossible for a thief to make unauthorized purchases. Virtual credit cards can be used online, over the phone and when making mail order purchases.

Virtual credit cards have an expiration date and a security code just like a traditional credit card. Virtual credit cards can also be used for more than just one time purchases. These are very versatile tools for businesses and individuals that want to ensure that no unauthorized spending is going on. An individual can use the card to make multiple purchases on a single website or may choose to only authorize a specific prepaid amount.

[fleetfuelcard-blog]

Reasons Paperless Payroll is Good For Our Economy

The first benefit is that going paperless will save your company money.  This is because fees associated with delivering payroll such as cutting checks, stuffing envelopes, and delivering the physical payroll is eliminated.  Keep in mind, though, that some third party sources for paperless payroll may charge you a fee to provide your employees with access to the secure website with their passwords.

Of course, there is the fact that the paycard and direct deposits helps the environment as well.  When you help the environment by using less paper, you automatically help the economy to depend less on this natural resource.  The amount of paper that goes into a traditional payroll situation is quite disturbing over time, especially when you realize that paperless solutions are readily available.  By reducing your company’s consumption of trees, you decrease the amount of waste that gets added to landfills and help there to be less of a strain on the recycling industry thanks to your personal efforts.

Finally, employees will generally be eager to sign up for a direct deposit situation because it helps them save more effectively.  If some employees are struggling with debt, they will be less tempted to go right out and spend their paycheck because it is placed directly in their account.  This will help people pay off debt more quickly and help the economy gain momentum as consumer debt is steady decreased.

[fleetfuelcard-blog]

Corporate Account Takeover - How to Prevent it

The most important step in avoiding corporate account takeover is to recognize the different methods unauthorized users employ to obtain information. Social engineering, finding online filings, dumpster diving, and gaining internal access are all common account takeover strategies. Each is explained below, along with steps that can be taken for fraud management.

Social Engineering:

What is it?

Social engineering is when an unauthorized user calls a company, asking for vital information such as electronic passwords, under the pretense that he/she is conducting legitimate business.

How to avoid it:

Prevent social engineering by knowing who your trusted business partners are. Most of these partners have the information they need about your company and will never call to ask for more information.

Finding Online Filings:

What is it?

Since the Secretary of State began allowing businesses to file annual reports online, unauthorized users have found ways to access those filings and add themselves as company officers. Once listed as a company officer, the unauthorized user just has to do a little more research for credit information and can use this information to apply for credit as a company officer.

How to avoid it:

Monitor your online filings, and ensure that only the appropriate contacts are listed on the filing. Also, continue to ensure that your correct corporate address is listed on the filings.

Dumpster Diving:

What is it?

Have you ever heard the saying "One man's trash is another man's treasure?" Dumpster diving is a low-tech, common method of obtaining a company's vital information, and is a great example of how the things we throw away can be valuable to others. Combined with mail-watching, unauthorized users can access both personal and business information which can be used to access accounts by simply digging through the trash.

How to avoid it:

Shred any sensitive materials prior to disposal. An in-office machine is inexpensive at office supply stores. If possible, have all of your business' mail delivered inside your office location to reduce exposure to unauthorized users. Avoid using common passwords that can be easily compromised.

Gaining Internal Access:

What is it?

Both current and former employees have the ability to commit account takeover, as company information is readily available for their use. Unfortunately, sometimes it is used for personal gain, particularly if an employee has sole access to a particular account.

How to avoid it:

Avoid this form of account takeover by establishing a strong monitoring system over company accounts, so that all spend that occurs on these accounts has oversight. Also, it is widely considered a best practice to set more than one person as an administrator of corporate accounts, which gives each account an additional layer of monitoring. Finally, when an employee leaves the company, immediately block his/her access to secured data and sensitive information.

[fleetfuelcard-blog]

How to Negotiate Fleet Fuel Costs

1. Prepare Your Negotiation

The most important thing to have before approaching any retailer for fuel price negotiations is a picture of your overall fuel spend and gallons purchased. If this is something that you do not currently track, it's not too late - there are several companies who provide this service for customers, and a few who can dedicate a Fuel Management Specialist to help you collect the facts you need to initialize a successful fuel negotiation.

Understanding the big picture of your company's fuel spend essentially helps you to understand your bargaining power and is important because it can help you see opportunities and patterns that might otherwise be overlooked. For example, a fleet company who purchases fuel at many different locations may realize an opportunity to consolidate fuel spend to fewer locations, thus enabling that company to negotiate better volume discounts.

2. Know Who Will Negotiate

Most truck stops are open to fuel price negotiation - the more business you do with them, the more likely they will be to discuss fuel prices. On the other hand, convenience stores may not be as receptive, as they are more focused towards serving the end consumer than business, and may not care as much about volume of business.

However, although not altogether common, there are instances of convenience stores negotiating fuel discounts with key fleet companies based on volume. The key takeaway is that negotiating fuel discounts is widely prevalent among truck stops and, although not widespread, certainly has a presence at many convenience store locations.

3. Set Metrics For Success

The only way to know if you have been successful in negotiating fuel discounts for your company is to set your metrics in advance. Before doing that, though, it is important to take into account that all fleets are different and may receive varying discounts from retailers based on volume and national recognition. A large, national fleet may receive different discounts compared to a small, local fleet; stations close to racks may price differently from stations farther away; and a fleet of owner-operators could see different prices from a fleet of company-owned vehicles.

Understanding your current fuel spend is the first step on your way to setting appropriate metrics. If you pay less for fuel after negotiating than you currently do, then you are moving in the right direction. You should also measure the success of your fuel negotiations by benchmarking against what similar fleets pay for fuel. Some may find it sufficient to benchmark against national or PADD (Petroleum Administration for Defense Districts) averages, but these averages are based on retail pricing and will not help you understand how your discounts stack up against other companies.

[fleetfuelcard-blog]

Virtual Payment Partner - How to Choose One

If you follow payment industry trends, you have most likely heard the buzz about virtual (also widely known as electronic) payment solutions supplementing your check and ACH payment programs. This form of payment is gaining traction and quickly becoming a preferred method of vendor payment, but seeing significant benefits from going virtual are dependent upon choosing the right payment processor for your company.

When shopping for the best long-term partner who will work with you to advance your electronic payment processes, keep the following tips in mind:

Look for a partner who makes it easy for your vendors. Your vendors aren't consumers, and they may not respond to electronic payment systems in the same manner as a consumer. Your vendors are primarily concerned with security, ease of use, and repeatable, reliable payments, so make sure the processor you choose offers this for your vendors.

Look for a partner with a strong vendor enrollment plan. While you may wish to subset which of your vendors will be enrolled, you will still want 100% of those you choose to be engaged. Industry experience shows that effective vendor enrollment is one of the most important aspects of implementing a successful virtual payment program for your company, nearly tying for first place with technology.

Look for a partner who understands your company's goals. Be sure to engage with the appropriate long-term partner for the right reasons, not simply because it's convenient or treasury relationships are standing in the way. Determine what it is that matters most to your organization:

Ease of use and automated reconciliation?

Generating revenue out of the AP department?

Streamlining and introducing automation to a typically archaic process?

[fleetfuelcard-blog]

How to Avoid Card Skimming

Many people think that corporate identity theft occurs only at a high level within the organization. However, it is important to note that identity theft can also happen at the cardholder level and that this type of theft can easily be avoided.

Unauthorized users can access corporate card information in several ways, but skimming is one of the more prevalent methods used. By understanding how to recognize and avoid skimming tactics, you can easily lower the risk of corporate identity theft affecting your company.

What is skimming?

Skimming is a type of fraud where the information from your credit or fuel card is illegally captured by an electronic reading device and transferred to a duplicate card. This duplicate card can then be used to make unauthorized charges to your corporate account.

Skimmers, the illegal device that captures your card information, come in various shapes and sizes. These are typically small and unobtrusive devices and can be molded to fit over a banking ATM or gas pump card-reading device.

How do I identify it?

Because these devices can fit easily over card reading machines, and because most machines are not equipped to recognize when skimmers are in place, it is important for the cardholder to be able to detect these devices before information is captured. Fortunately, there are several effective ways to recognize skimming devices.

Look for tiny hidden cameras in and around the card-reader device. Instead of being placed directly over card readers, cameras used for skimming can take snapshots of your card as it is being used. Unauthorized users can then determine your name, card number, card type, and expiration date from these photographs, and use this information to make purchases.

Feel the key pad to make sure nothing has been placed over it that might be used to record your PIN number. Once a skimming device has captured your card number and expiration date, the unauthorized user only needs to determine your PIN number before being able to use your information.

Apply a small force to the card reader. A skimming device will usually dislodge easily from the true card reader. Do not extend enough pressure to damage any equipment, as a gentle shake can often be enough to displace the skimming device.

Be aware of your surroundings and people who may be watching in an attempt to "shoulder surf" to obtain your PIN number. Shoulder surfing is a term used to describe when unauthorized users stand close enough behind you to detect the PIN number you enter onto the card reader.

If you are suspicious about any card reader, report it immediately to the merchant, and check with your card company to ensure that no vital information has been compromised.

How can I mitigate these risks?

Recognizing card skimming is the first step towards avoiding it. You can also stay up-to-date on the latest information related to card skimming and other corporate fraud issues by visiting the Better Business Bureau ( www.bbb.org/business ) and the FTC ( www.ftc.gov ) websites on a regular basis.

Your employees are typically the most frequent card users, so it is also important to educate your employees about skimming fraud, how to recognize it, how to avoid it, and fraud management.

[fleetfuelcard-blog]

Use a Company Credit Card for Entertainment and Travel Expenses

If you are feeling overwhelmed with all the receipts and expense reports that continue to pile up every month, you will be disheartened to learn that the pile will only continue to expand as your company expands. You can do yourself and your bookkeeper a huge favor by signing up every member of your traveling staff to receive a company credit card. The main purpose of such a card is to ensure that your employees have a line of credit upon which they can depend on in an emergency situation. Expenses like meals and entertainment, which are clearly not emergencies, can also be used on company debit cards.

All bills are consolidated with the help of a business credit card. Instead of various receipts from hotels, rental cars, restaurants and more, all with different modes of purchase, every expense is presented in one large bill which can be broken down and examined based on different criteria like type of charge, date, and employee. This kind of consolidation not only makes it easier to keep spending straight, it also has positive implications for your company's ability to gain visibility into your corporate spending patterns.

Since expenses like travel and entertainment are included on many company credit cards, you can more easily observe the costs of such charges to plan future budgets more effectively. Another benefit of including entertainment expenses on your corporate prepaid debit card is that reporting spending is simplified for employees. Instead of needing to file paper expenses, they simply take a look at a computer file that keeps track of their expenses and check the boxes indicating what the company is responsible for. However, since it is a business credit card, this process is typically used as a system for checks and balances.

[fleetfuelcard-blog]

The Difference Between a Virtual Credit Card and a Traditional Credit Card

The first major difference is that a virtual credit card does not come in a physical form. Instead, it is a unique 16 digit virtual mastercard number for a single purchase. Every new purchase you make generates a new number with which you make your purchase. In this way, a virtual mastercard is completely secure because with ever-changing numbers, it is impossible to steal. Even if a thief did get his hands on your one-time credit card number, he could not use it to make another purchase or link the number back to your personal information.

Virtual mastercard accounts give businesses more control over and visibility into company spending. From a control perspective, a virtual mastercard number can have a dollar spending limit or a particular expiration date. It can even be restricted to certain merchant types (for example, it can be limited to gasoline purchases). From a visibility perspective, making purchases on a company credit card, even a virtual one, can provide real time information on employee spending.

Printing, processing and shipping checks to vendors can be an extremely time consuming and resource heavy process. This is another area where a real advantage can be gained by using virtual mastercards. A virtual credit card company that is partnered with a major credit provider such as MasterCard can help you make payments to nearly any vendor. No paper is used, and no one has to write a check, put it in an envelope, etc.

[fleetfuelcard-blog]

Monitor Real Time Spending

There is no shortage of expense tracking software available and they range from fee-based to free. Regardless of the software that is chosen, the guidelines to set up and use these programs are similar across the board. Once a program has been installed, an individual will enter income and then divide it into manageable chunks, usually by weeks or months. It is then necessary to fill in the expense categories and fill in the amounts for categories that are spent every month, such as utilities and rent. Depending on the number of expenditures, an individual can create as many subcategories as necessary.

Once all the information has been entered into the program, it is time to link the software to a bank account. These programs are designed to communicate regularly with a business's bank so that spending can be monitored in real time. It will give an up-to-the-minute account of how much money is being spent and where it is going. Another nice feature about these programs is that most allow an individual or business the option of paying bills online. It may also feature a way to print checks directly from a computer.

Using these types of software programs will enable a business to track transactions as they happen. Combining real time transaction monitoring with detailed reporting that virtual credit card programs make available gives managers the information they need to improve resource allocation and improve profitability.

[fleetfuelcard-blog]

Help Improve Trucks Gas Mileage Using Fuel Additives

Diesel fuel additives perform several functions that make them ideal for improving fuel economy. First, they keep injectors clean and help to maintain a proper spray pattern into the bore. When this is accomplished, the mist is fine and administers the ideal amount of fuel. Without additives, the spray can be uneven, which results in unburned fuel exiting through the exhaust. This promotes loss of power, increase in fuel waste, and more emissions.

The next function of diesel fuel additives is to act as a lubricant. This is important because low sulfur and even ultra low sulfur fuel is used today, and while this is beneficial for the environment, sulfur is an important lubricant that has been greatly reduced in these fuel types. Therefore, utilizing an additive will help return the level of lubrication needed by an engine. Without lubrication, abrasive diesel fuel wears out pumps, injectors and other parts of the engine that could otherwise last much longer with the right additives. Plus, smoother, healthier engines deliver better gas mileage.

Finally, diesel fuel additives can be used to treat fuel and help qualities of the fuel to remain pure, even when the truck is stored and left un-driven for long periods of time. Moisture, fungal growth, and a reduction in gelling point are all characteristics of diesel that is stored too long. These problems, and therefore the strong state of your engine and fuel efficiency, will be resolved by diesel additives. Also, fleet credit card programs help your fuel efficiency by giving you the lowest posted fuel discount. When your goals are to save on gas and lengthen the lifetime of your engine, diesel fuel additives and fleet card programs are a must.