Is Your Dealership
Turning Away Fleet Business?

Fleet cards for auto dealerships are one of the most overlooked revenue opportunities in the automotive industry. Revolution Payments specializes in WEX and Voyager fleet card enrollment and processing for dealerships across the country. We understand the service department workflow and what it actually takes to get fleet cards working correctly.

Most auto dealerships don’t realize that accepting Visa and Mastercard has nothing to do with accepting WEX and Voyager fleet cards. They are entirely separate networks — and without dedicated merchant enrollment and proper POS configuration, your service department, parts department, and commercial sales team cannot accept them. Fleet operators, government agencies, and commercial fleet managers actively look for enrolled locations. If you’re not enrolled, those fleet vehicles simply end up at a competitor that’s properly enrolled — and in most cases you’ll never know you lost the business.

Why Dealers Contact Us

We generally hear from dealerships for one of four reasons:

• A fleet customer asked to pay with WEX or Voyager and they couldn’t.
• They were told by their existing processor they couldn’t help.
• They’re already enrolled, but transactions are declining or failing silently.
• They want to become a preferred service location for commercial and government fleets.

Why Fleet Cards for Auto Dealerships Are a Missed Opportunity

Fleet cards are not limited to trucking companies. The businesses and organizations using WEX and Voyager include municipal fleets, government agencies and contractors, utility companies, school districts, delivery and logistics operations, construction companies, and corporate vehicle fleets. All of them need regular maintenance — oil changes, tire rotations, brake service, inspections, repairs.

When a fleet driver brings a vehicle in for service, they pay with a fleet card — not a personal credit card, not cash. If your service department can’t accept that card, one of two things happens: the driver is turned away, or the transaction fails silently because your system isn’t configured correctly. Either way, you lose the business and you don’t always know why.

The Commercial Opportunity in Your Service Lane

Fleet vehicles require consistent, scheduled maintenance. A fleet account that brings vehicles to your service department regularly is among the most reliable recurring revenue a dealership service department can have. Unlike many retail customers, commercial fleet accounts return on a scheduled basis for routine maintenance, inspections, tires, brakes, and repairs — creating recurring service revenue over the life of the fleet. Enrollment in WEX and Voyager puts your location on the map — literally. Both networks maintain merchant locators that fleet managers use to find enrolled service locations for their drivers.

Fleet card acceptance is also relevant beyond the service lane. Your parts department serves commercial accounts. Your commercial sales team works with businesses purchasing multiple vehicles. Enrollment in fleet card networks signals to commercial buyers and fleet managers that your dealership is set up to handle their business properly.

WEX and Voyager — What Every Dealership Needs to Know

WEX and Voyager are closed-loop payment networks. Unlike Visa and Mastercard — which run through standard interchange — WEX and Voyager have their own separate networks with their own enrollment requirements, data capture standards, and settlement processes. You cannot accept them without completing a dedicated merchant application through each network and configuring your point-of-sale system to meet their specific requirements.

WEX Fleet Card

• One of the largest fleet networks in the U.S.
• Accepted at approximately 95% of U.S. fuel locations
• Over 45,000 service and maintenance locations
• Used by trucking, government, corporate, and municipal fleets
• Requires separate WEX merchant enrollment
• POS must capture Driver ID and odometer at time of service
• Transactions settle through WEX network — not Visa or Mastercard

U.S. Bank Voyager® Fleet Card

• 230,000+ merchant locations nationwide
• Supports fuel and full maintenance purchases
• Oil changes, tires, brake service, repairs — all eligible
• Used by government agencies, utility companies, school districts
• Requires Level 3 transaction data capture
• Fleet managers receive detailed per-driver spending reports
• Requires separate U.S. Bank Voyager network enrollment

“Simply accepting Visa and Mastercard does not mean your dealership can accept WEX or Voyager. They are completely separate networks — and most processors don’t handle the enrollment or configuration process.”

Can My Existing Processor Set Up WEX or Voyager?

This is one of the most common questions we hear — and the honest answer is: most cannot. Accepting Visa and Mastercard is handled through standard acquiring relationships. WEX and Voyager require direct merchant applications through their respective networks, specific POS programming, and a processor that is certified and equipped to settle fleet card transactions.

We’ve helped dealerships across the country with fleet card processing for auto dealerships, configure their systems correctly, troubleshoot existing fleet card setups, and begin accepting fleet payments from commercial and government customers.

What Revolution Payments Handles

We submit WEX and Voyager merchant applications directly through each network on your behalf, coordinate POS programming for Driver ID prompts and odometer capture, verify your MCC code is correct for fleet acceptance, and handle ongoing transaction processing — all through one relationship.

Already Accepting Fleet Cards? You May Still Have a Problem

Many dealerships believe they are set up to accept WEX or Voyager — but their setup has gaps that cause transactions to fail, process incorrectly, or settle at the wrong rate. This is more common than most people realize.

Common Fleet Card Setup Problems at Dealerships

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Missing Driver ID Prompt

Fleet cards for auto dealerships require driver authentication at the time of the transaction. If your system isn’t configured to prompt for Driver ID, fleet card transactions will decline or fail silently. Your team may not even know it’s happening.

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No Odometer Capture for WEX

WEX requires odometer reading capture at the time of service. Missing this prompt causes WEX transactions to fail. This must be configured in your service management system — it does not activate automatically.

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Incorrect MCC Code

Your merchant category code must correctly reflect your business type for fleet transactions to route properly. Many dealerships are coded incorrectly, which causes fleet card transactions to fail or process at the wrong rate.

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Processor Not Certified to Settle Fleet Transactions

Some dealerships have completed WEX or Voyager enrollment but their processor cannot actually settle the transactions. The network approval exists — but the transactions aren’t processing. We audit existing setups and identify exactly where the breakdown is.

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No Level 3 Data Capture for Voyager

Voyager requires Level 3 transaction data for full compliance and reporting. Without it, fleet managers don’t receive the detailed per-driver spending reports that Voyager is designed to provide — which can affect your standing as a preferred merchant location.

How We Set Up Fleet Cards for Auto Dealerships

Getting enrolled in WEX and Voyager is straightforward when you have a processor that knows the process. Most dealerships are live within two to four weeks of starting the application.

1

Review Your Current Setup

We start by understanding your dealership’s service department, POS system, and current processing arrangement. If you’re already enrolled in WEX or Voyager, we audit whether your setup is actually working correctly.

2

Submit WEX and Voyager Merchant Applications

We submit your merchant applications directly through the WEX network and U.S. Bank Voyager network on your behalf. We manage the underwriting process and follow up directly with the networks.

3

POS Configuration and Data Capture Setup

We coordinate with your equipment vendor to configure Driver ID prompts, odometer capture, and proper fleet coding. We also verify your MCC code is correct for fleet card acceptance.

4

Go Live and Ongoing Processing

Once approved and configured, your service department begins accepting WEX and Voyager. All fleet card transactions process through your Revolution Payments account — one relationship for everything.

Frequently Asked Questions

Does our service department need a separate terminal to accept WEX and Voyager?

Not necessarily. Most modern dealership service management systems can be configured to accept fleet cards with proper programming. We verify compatibility with your specific setup before starting the enrollment process.

How long does fleet card merchant approval take?

Network approval for WEX and Voyager typically takes two to four weeks depending on your documentation and the network’s underwriting review. Revolution Payments manages the application and follows up with both networks directly throughout the process.

We already have a processing relationship. Can we still enroll in WEX and Voyager through Revolution Payments?

Contact us to discuss your current setup. In many cases we can work with your existing arrangement for fleet card processing for auto dealerships and processing. We’ll review your situation and give you an honest answer about what makes sense.

Do government fleet vehicles use WEX and Voyager?

Yes. Federal agencies, municipal fleets, school districts, utility companies, and government contractors all use fleet card programs including WEX and Voyager. Enrolling your dealership service department makes you a viable maintenance and repair option for these fleets — which are often among the most consistent commercial service customers.

What if our dealership is enrolled but transactions aren’t going through?

This is more common than most people think. Network enrollment and correct POS configuration are two separate things. We can audit your current setup and identify exactly where the problem is — whether it’s a Driver ID configuration issue, an MCC code problem, or a settlement issue with your current processor.

Other Ways We Help Auto Dealerships

Beyond fleet card enrollment, Revolution Payments works with dealerships on two additional areas where most processors fall short.

B2B Interchange Optimization

Commercial card transactions in your service department, parts department, and commercial sales often qualify for lower interchange rates — but only if the right data is submitted automatically. Our system handles this without any manual entry from your team, reducing interchange costs on qualifying commercial transactions.

Automated Surcharge Program

If your dealership currently has a surcharge program or has been looking into one, we have a robust automated solution that is currently used by AutoNation dealerships. It integrates with most dealer management systems, handles surcharge application and disclosure automatically, and is fully compliant with card brand requirements. Call or reach out for more information.

Ready to Start Accepting Fleet Cards?

Whether you’re trying to accept WEX and Voyager for the first time or you’re already enrolled but experiencing problems, we’ll review your current setup, identify any gaps, and tell you exactly what needs to be done — at no obligation

Questions about Fleet cards for auto dealerships .Call 888-790-3450 — Free ReviewNo obligation · Revolution Payments · Fleet card specialists