Mobility
Closed-loop business propositions, built on top of open-loop scheme infrastructure. The customer experience of a closed-loop card with the reach of the global rails.
Mobility is one of the strongest examples of a wider pattern in payments today: closed-loop business propositions built on top of open-loop scheme infrastructure. Branded fuel cards, EV-charging cards, parking cards, and multi-modal mobility cards behave like closed-loop products for the customer — restricted to chosen merchant categories, branded by the issuer, shaped end-to-end around a specific use case — while the clearing, settlement, and acceptance run on the open-loop networks beneath them. The result is a proposition with the customer experience of a closed-loop card and the reach of the global scheme rails. Building this layer well requires equal fluency on both sides: the closed-loop business design above, and the open-loop scheme architecture below.
Fuel-card issuers, leasing and fleet companies, public-transport operators, EV-charging operators, parking providers, and shared-mobility platforms — they hold the customer relationship and shape the proposition's commercial design.
Visa, Mastercard, and others — whose open-loop infrastructure underlies most branded mobility cards, and whose product types determine what a closed-loop business can and cannot do on top of them.
The regulated institutions that issue the card or wallet on behalf of the mobility operator, holding the licence and the regulatory perimeter that the operator does not.
The acquirers serving fuel stations, charging networks, parking lots, transit gates, and tolling systems, where the merchant category code (MCC) decides whether a transaction is even allowed.
OEMs, charging hardware vendors, parking and tolling system providers, and the connected-vehicle platforms that increasingly route the payment itself.
The firms supplying the electricity, fuel, or gas at the point of payment, increasingly active in shaping how those payments work.
The financial regulators whose frameworks shape the issuing and acquiring side, alongside the transport, energy, and consumer-protection regulators that govern the mobility side.
A mobility-payment proposition is what these players produce together when they coordinate well — and what fails publicly when they don't. The brand belongs to one party, the licence to another, the rails to a third, and the merchant-side acceptance to an evolving cast of OEMs, charging networks, and tolling operators. Building or evaluating one of these propositions means understanding where in that chain the proposition actually wins or loses its margin.
We work with mobility operators, fuel-card issuers, leasing companies, parking providers, energy companies, and others building branded payment and financing propositions for the sector. The work spans the proposition design itself, the BIN sponsorship and processing arrangements behind it, the scheme product selection, and the regulatory licence perimeter that holds the whole thing together. For investors and acquirers evaluating mobility-payment ventures, we conduct the technical and commercial due diligence that distinguishes a strong proposition from a well-presented one.
Technology standards: ISO 8583, EMV, scheme product types, MCC frameworks, BIN sponsorship arrangements.