RoadFlex Puts Fleets Back in Control with Highnote

How RoadFlex is transforming fleet spend management with Highnote, giving operators real-time control, transparency, and access to new markets like government fleets.

The Vision: Modern Payments for Modern Fleets

RoadFlex was founded with a simple but ambitious goal: bring modern payments innovation to an industry long underserved by banks and legacy fleet cards.

Traditional corporate cards don’t solve the real problems that fleet operators face, from trucking companies with thousands of drivers to HVAC, landscaping, and government agencies managing dozens of vehicles.

“There isn’t a solution that’s vertically catered. A trucking company with 1,000 drivers needs controls at the driver and vehicle level, in real time. The old solutions just weren’t built for that.” Dennis Chang, CEO at RoadFlex

RoadFlex’s mission is to deliver granular controls, fraud prevention, and real-time data in a unified, open ecosystem, empowering fleet managers to reduce misuse, simplify reconciliation, and give every driver the right level of access.

“One of the most important innovations we’re building with Highnote is enabling automated fuel tax exemption for government agencies and non-profits — something legacy providers haven’t solved efficiently. This will catalyze game-changing adoption from the largest fleet customers in the United States.” Dennis Chang, CEO at RoadFlex

The Challenge: Legacy Fleet Cards Fall Short

Most fleet and company card programs suffer from three critical gaps:

• Lack of controls: Traditional cards can set spend limits, but not by category, transaction, or driver. That means misuse — from personal purchases at the pump to unapproved repairs — slips through.
• Outdated reporting: Transactions take days to post, leaving managers blind to misuse and unable to intervene in real time.
• Closed ecosystems: Legacy providers keep data siloed, limiting integrations with telematics, accounting software, and fleet management systems.

The result? Billions lost to fraud, manual reconciliations, and inefficiency across industries that depend on fleet vehicles every day. In fact, misuse and misallocation account for 15-20% of the market, a massive drag on fleet performance.

Government fleets, which make up ~35% of the U.S. fleet card market, have been particularly underserved. Locked into outdated programs, agencies have been unable to benefit from innovations like real-time controls, seamless FMIS integration, or automated tax exemption.

The Solution: RoadFlex + Highnote

To build a smarter fleet payments platform, RoadFlex needed a partner equally committed to innovation, speed, and flexibility. That’s where Highnote came in.

With Highnote, RoadFlex is delivering:

• Visa-accepted fleet cards with driver- and vehicle-level controls
• Real-time reporting and analytics to stop misuse before it becomes loss
• Automated fuel tax exemption to simplify compliance for government fleets and nonprofits

“Highnote is stepping into a leadership role in powering government fleets — a massive market that’s been historically locked up by incumbents. Together, we’re opening it up with modern technology. This is something other card issuing platforms aren’t doing today.” Dennis Chang, CEO at RoadFlex

Results: Early Traction, Big Potential

Though early in the journey, RoadFlex and Highnote are already seeing strong signals of impact:

• Exclusive Access to Government Fleets: RoadFlex secured a 5-year Sourcewell cooperative purchasing contract, giving tens of thousands of government agencies a new pathway to adopt modern fleet payments. Even Visa itself has not cracked this vertical yet. By partnering with Highnote, this once-in-a-decade opportunity becomes reality.
• Customer Trust: Early adopters are already benefiting from real-time visibility, tighter controls, and integrations that reduce manual finance work.

“This isn’t just about RoadFlex. Once Highnote finalizes the fuel tax exemption capabilities for government customers, they’ll become the premier card issuer for government programs — a differentiator competitors can’t match.” Dennis Chang, CEO at RoadFlex

What’s Next: Unlocking the Fleet Wallet

Looking ahead, RoadFlex is expanding beyond fuel into a true “fleet wallet” that supports all vehicle expenses, from maintenance to tolls to EV charging. Together with Highnote, they’re pioneering a modern ecosystem that can adapt as customer needs evolve.

“Government fleets are a massive market that’s been underserved for decades — but they’re ready to adopt now. With Sourcewell contracts, tax-exemption capabilities, and Highnote as our partner, RoadFlex can open this segment with modern technology and unlock huge payment volumes in months, not years.” Dennis Chang, CEO at RoadFlex

A New Standard for Fleet Payments

RoadFlex is solving more than spend management. They’re solving trust.

This partnership is proof that Highnote isn’t just another card platform — they’re defining what a true commercial platform looks like by enabling government payments at scale. Visa itself mobilized its teams around this opportunity, which shows how significant it is that Highnote is at the center of it.

Together, RoadFlex and Highnote are setting a new standard for fleet payments, proving that the future isn’t about rigid, legacy card programs, but about open, product-first platforms that adapt to every fleet’s needs.

“From the very first steps, Highnote felt more like a partner. Each small signal we’ve seen since then has contributed hugely to how we see the big picture.” Dennis Chang, CEO at RoadFlex