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At this time, Fleet transactions can only be simulated on Visa Card Products.
Transactions for Fleet Card Products include several elements not found in other Products. Fleet transactions can require more interaction from the Account Holder, additional data from the merchant's point of sale, more complicated authorization flows, and enhanced data processing during clearing and settlement.
Highnote provides a rich set of operations that allow you to Simulate Transactions and ensure your integration is ready for production.
Before working with the Fleet Transaction Simulator, create your Card Product and all necessary objects by following the Get Started Guide for Fleet. Once your Card Product is ready, familiarize yourself with the basics of transaction simulation by following the Simulate Transactions in Test section.
Highnote offers two types of authorization controls to limit how Account Holders use their fleet cards. Some controls are baked into the EMV chip in the physical cards while others are enforced through Spend Control Rules. For example, Highnote’s fleet cards encode a Product Restriction code on the EMV chip to allow purchases of fuel and other products while Highnote’s Platform prevents purchases of “non-fleet” items, such as meals through DoorDash, via MCC restrictions.
Fleet Payment Cards can function for fleet purchases only or as fleet plus “purchase and T&E” cards as your program’s needs dictate.
All Payment Cards on a Fleet Card Product must offer acceptance at the fuel MCCs listed below while most also accept the maintenance MCCs.
Code | Description |
---|---|
4468 | Marinas, Marine Service/Supplies |
5499 | Miscellaneous Food Stores - Convenience Stores, Markets, and Specialty Stores |
5541 | Service Stations (with or without Ancillary Services) |
5542 | Fuel Dispenser, Automated |
5983 | Fuel Dealers – Coal, Fuel Oil, Liquefied Petroleum, Wood |
Code | Description |
---|---|
5013 | Motor Vehicle Supplies and New Parts |
5511 | Automobile and Truck Dealers – Sales, Service, Repairs, Parts, & Leasing |
5531 | Auto Store, Home Supply Stores |
5532 | Automotive Tire Stores |
5533 | Automotive Parts, Accessories Stores |
5599 | Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers |
7531 | Automotive Body Repair Shops |
7534 | Tire Retreading and Repair Shops |
7535 | Automotive Paint Shops |
7538 | Automotive Service Shops (Non-Dealer) |
7542 | Car Washes |
7549 | Towing Services |
7692 | Welding |
7699 | Repair Shops and Related Services - Miscellaneous |
After the initial Authorization, Authorization Advice replaces the original Authorization.
Note: You can skip simulating Authorization Advice and skip to Clearing to simulate Visa real-time clearing transactions.
Fleet transactions follow the standard authorization and clearing data flow followed by all card payments and additionally include ancillary information specific to the fleet vertical via specialized clearing messages.
Contains standard payment network transaction data provided by merchants. Level 1 data is the same for all transaction types and merchants. No Enhanced Data is captured/provided at this level.
Contains Enhanced Data captured at the point of sale and sent with the transaction. Level 2 data is always sent with clearing records.
API Reference: Visa Level 2 Purchase Data Fields
Many fleet transactions occur outside “at the pump” via automated fuel dispensers (AFDs). AFDs streamline fuel purchases by allowing Account Holders to operate the fuel pump and complete the payment process without fuel station personnel interaction. The exact flow of an individual AFD transaction will vary depending on how you have configured your Fleet Card Product and the options you have set for the involved Fleet Payment Card. For example, your Fleet Card Product may be configured so that the AFD does not ask for any Account Holder Verification Method (CVM), but the AFD may prompt the Account Holder to enter their Driver ID and current Odometer reading prior to submitting the transaction for authorization.
Aside from the usual Automated Fuel Dispenser flow, fleet transactions may also occur in a store such as a gas station or truck stop. In-store transactions may either follow a pre-pay or a post-pay model - although in the US, the pre-pay workflow dominates. In addition, in-store transactions often include non-fuel products - as long as the Fleet Payment Card’s configuration allows for such purchases.