“Can a fleet-electrification services company become the embedded payments layer for all corporate mobility spend?”
FLEET220 began in 2022 as a fleet electrification services company — designing, installing, and operating EV charging stations for corporate fleets across Europe, bundled with a driver app and charging card. In October 2025 the company extended into embedded finance with ODOS, an open-loop Visa Fleet 2.0 card that unifies EV charging, fuel, parking, tolls, maintenance, and micromobility spend into a single payment and reporting layer — turning what was a charging-infrastructure business into a mobility spend-management platform.
FLEET220's cards are issued through Enfuce and Cardlay on the Visa network.
The Embedded Finance Index 2026 maps 3 layers in FLEET220's stack: Card issuing (Enfuce and Cardlay); Card network (Visa); Spend / AP (Cardlay).
FLEET220 is founded in 2022 and headquartered in Milan, Italy.
Get a read on where your own stack stands against FLEET220 and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.