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AtoB

Provider
Card Issuing

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.

atob.com ↗Also analysed as a company — its own stack →
CategoriesCard Issuing
Rank#74 of 228 in Card Issuing
Buyers2 companies
HeadquartersSan Francisco, CA, USA
Founded2019
FoundersVignan Velivela, Harshita Arora
Raised$335.1M

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Founders & story · from AtoB’s own dossier

Founded in 2019 as a zero-fee Visa fuel card for trucking fleets — positioning itself as 'Stripe for Transportation.' Over 2022–2024, AtoB expanded from a single card product into a full financial platform for transportation, adding fleet business accounts, driver payroll cards, instant invoice payments, and working capital (trip advances, capital loans). The Series C in 2024 with Mastercard participation signals a deeper move into payments infrastructure for the broader logistics ecosystem, including factoring companies and freight brokers.

Latest round: Series C2, 2024
Recent developments
  • 2024-09Raised $130M in Series C equity and debt funding led by General Catalyst and Bloomberg Beta, with Mastercard and trucking industry investors participating. source ↗
  • 2024-09-01Fleet card provider raised $130 million. source ↗
  • 2026-10-08Geotab launched the Geotab Fleet Card on AtoB's payments platform, the first fleet management platform to embed it: AtoB and its issuing bank partners issue and operate the card, and fuel purchases are declined if telematics show the vehicle is not at the pump or the tank has no room. US fleets only. source ↗
Full dossier: AtoB’s own stack, layer by layer →
Who uses AtoB
2 companies disclose AtoB in their stack
GeotabTruckstop.com
Buyer mix · 2 of 2 classified
Vertical SaaS / Fleet Telematics · 1Vertical SaaS / Freight & Logistics · 1
Canada · 1US · 1
What the disclosures say
Geotab
“AtoB's release (8 October 2026) names Geotab as the first fleet-management platform to embed AtoB's payments platform: AtoB and its issuing bank partners issue and operate the Geotab Fleet Card, US fleets only (https://www.businesswire.com/news/home/20261008354088/en/AtoB-Announces-Geotab-as-the-First-Fleet-Management-…”
View source · businesswire.com ↗
Truckstop.com
“Fuel Card page: 'All cards issued by Celtic Bank' and footnote references AtoB fuel card customer transactions — indicating the Truckstop Fuel Card is a co-branded AtoB program on Celtic Bank rails.”
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What AtoB runs on · from its own dossier
The third-party providers AtoB itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose AtoB.
Sponsor Bank
Celtic Bank
BaaS
Celtic Bank
Ledger
Fragment
Full dossier with evidence for each layer →
Alternatives to AtoB

Other Card Issuing providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Marqeta66 buyers →Stripe Issuing32 buyers →Enfuce25 buyers →Paymentology23 buyers →Sutton Bank21 buyers →Pliant20 buyers →Galileo19 buyers →i2c17 buyers →
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An embeddable badge for AtoB’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #74 of 228 in Card Issuing — Embedded Finance Index 2026
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<a href="https://www.embeddedfinanceindex.com/vendors/atob?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/atob.svg"
       alt="Ranked #74 of 228 in Card Issuing — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/atob/install" width="1" height="1" alt="" style="display:none">

AtoB — frequently asked

Which companies use AtoB?

2 companies are linked to AtoB in the Embedded Finance Index 2026, through their own public disclosures or AtoB's published customer list, including Geotab and Truckstop.com.

What does AtoB do?

AtoB is an embedded-finance provider in Card Issuing. It ranks #74 of 228 Card Issuing providers by linked companies.

What are the alternatives to AtoB?

The most-named Card Issuing alternatives to AtoB are Marqeta (66 buyers), Stripe Issuing (32 buyers), Enfuce (25 buyers), Paymentology (23 buyers), Sutton Bank (21 buyers) and Pliant (20 buyers).

Who founded AtoB?

AtoB was founded by Vignan Velivela and Harshita Arora and is founded in 2019, headquartered in San Francisco, CA, USA.

How much funding has AtoB raised?

AtoB has raised $335.1M in total.

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