Video: Meet Motive Card: Demo & fireside with Mavis Tire Supply | Duration: 5404s | Summary: Meet Motive Card: Demo & fireside with Mavis Tire Supply

Transcript for "Meet Motive Card: Demo & fireside with Mavis Tire Supply": Hello, everyone. Thank you all for joining our webinar today. Meet Motivkard. We have an exciting agenda lined up, including a live demo as well as a fireside chat with a valued customer, Mavis Tire Supply. We have 1 hour slate for today. And if time permits, we'll open it up for a q and a from the audience at the end of the session. So if you have any questions at this time, please drop them in the q and a feature and we'll do our best to address them. If we don't have enough time to get to your questions, we'll be sure to have someone follow-up with you. If you have more questions or prefer 1 on 1 support, you can click on the blue get started button on the top of the screen and we'll have someone follow-up with you shortly after this session. Let's get into it. First off, our speakers for today's session, I'm Will Gardner. I came from an industry leader in the fleet card industry space and I'll be taking a few moments to provide some background on Motive Spend Management solution, the Motive card, before I pass it over to Brandon Loy, one of our skilled sales engineers who will dive into the product and show you how the Motive card connects directly into the same Motive dashboard you use and manage your fleet today. After our demo, I'll come back for a fireside chat with John, director of fleet operations at Mavis Tire Supply, who will share their firsthand experience with the Motive card. John and Mavis have been amazing partners to Motive. We're excited to share their story. Before we dive into this demo, I want to provide a little recap on Motive. Some of you may already be familiar with our mission but we seek to empower you, the people who are running our physical operations with tools to make your work safer, more productive, and more profitable. And it is a mission that we take seriously. So we all go we go all over North America and now Mexico visiting our customers and making sure that we're listening to you, understanding your biggest problems and solving them in the highest quality way. And what are the things that you're telling us about when we speak to you? Excuse me. You tell us about the really high input costs. So fuel, maintenance, insurance being generational highs, and have a big impact on your operating margins and overall profitability. Now that's also combined with the tightest labor market we've seen in decades. Millions of people have left the labor force as our population ages and it's really difficult to find, train, retain skilled and motivated employees. I know that everyone in the room is probably dealing with the challenge no matter what industry you're in. Thank you. At Motive, we're really motivated to solve some of the problems that you have. Unfortunately, the legacy systems that serve these industries haven't really helped overcome these challenges. You've been forced to use this patchwork of disconnected solutions. Lots of teams using different sets of tools depending on the task that they need to carry out, and this fragmented approach means that the data is stuck in silos. So it's really adding to operational and organizational complexity and that ultimately translates into safe less safe operations, wasted time, and higher costs. So at Motive, we have a different vision. We really believe that there's an opportunity for all of your systems to work together, that if you get people working the same system and give them AI to automate your manual work, then they're going to perform much better as a team and they'll have a material impact on your bottom line. And so that's what drives us at Motive and is the result that Motive's integrated platform of operations actually offers. So we're combining driver safety, spend management, fleet management, and equipment monitoring all in one place. That means for the first time, you can manage drivers, vehicles, equipment, and fleet related spend in a single system and at the heart of that platform is our AI. So that automates manual workflows so you can really focus on the people and the tasks that matter the most. Today, we're going to go deeper on spend management and the problems we can solve with that and how it's benefited our customers like Mavis. So we launched our spend management solutions, the Motive Card, in 2022 because many of you shared the challenges you face with tracking fleet expenses and preventing fraudulent spend. Today Motive is the only fleet management system that provides this native embedded spend management solution that gives you a 360 degree visibility and complete control over your fleet and related costs. So what can Motive deliver for your business? We see 5 pillars to our Motive card product, which is 1, reducing manual workflows, increasing productivity for your business. 2, is detecting fraud so it's really keeping your profit safe. 3 is custom, customizable controls. So making sure you have the flexibility to set limits on when, where, and how your drivers are using this card. And then 4, savings. You're spending a lot of time and money on fuel, on maintenance, other vehicle related costs every year. So getting deep discounts on things that matter to you and that cost you the most with, with no hidden fees is really important. Right? Our, 5th is our Mastercard network. The Motive card allows you to purchase anywhere without needing a different card for fuel versus travel and expenses and other variable expenses for your fleet. Now that I've set up the stage, I'm going to pass over to Brandon who's going to open up the hood and deep dive into the platform before I come back and have that fireside chat with John at Mavis Tire Supply. Oh, and one final note, we will be discussing a new fraud feature. This is called the vehicle proximity based decline. It's an auto decline feature that is now in a closed beta trial and we're targeting the general availability of this to q4 of this year. I just want to make note of that, and then I'm going to go ahead and pass this over to Brandon. Thank you. Thank you, Will. Appreciate the introduction. Like Will said, my name is Brandon. I'm a sales engineer here at Motive, and I'm gonna be opening up the hood and doing a demonstration of the Motive card product embedded in the suite of spend management features that we employ. Okeydoke. So there's gonna be kind of an agenda that I'm gonna present today. I have a little table of contents that I wanted to get started with. My table of contents is as such. The way I think about the motive card and the way that I wanna explain it to you today is there's basically 3 different user personas, and I think it's helpful to think about the card product through these different viewpoints. 1, you have managers. Okay. These are people who are monitoring basically after money is spent. Kind of painting with broad brushstrokes here, but it's close enough. After money is spent, you have admins who set up, an administrative card. It's before money is spent, and you have card users themselves. I present this information in kind of a Venn diagram format to highlight the idea that many Motive card users will fall into multiple buckets. So while I present things from here's how managers look at it, here's how admins look at it, here's how card users look at it, bear in mind, we understand many people fall into multiple buckets. And we're gonna get started with managers. So this is the Motive dashboard and specifically we're looking at the cards module of the dashboard. First thing I'll just point your attention to just to get it out of the way if there are questions or you're wondering. Towards the left side of the screen, we have a whole bunch of modules listed. These are not gonna be the subject of today's webinar. They have more to do with our fleet management product, which we would love to tell you more about. But for for the sake of today, we're gonna be really focused on cards, which is what I have selected here. Now, again, manager, after the money is spent, what data does Motive give us access to? What kind of actions can we can we take based on how our cards are being used. Let's take a look. So on this card's overview, first thing to point out, we're just seeing some data about the way that money is being spent. We can, adjust these filters. Right now, this is 7 days' worth of card swipes, 14, 28 days are other filters here. We can see how much is being spent. We can see, how much is coming back to us in the form of rebates. Now these rebates are gonna be a huge part of the value of the Motive card, and I'm gonna talk more about those. But, yeah, just kind of the first allusion to many of the system of benefits and financial rebates that you receive from using the Motive card. Other callouts here, average daily spend, suspicious spend, and the amount of fuel purchased. Suspicious spend 2 points to a broader kind of suite of functionality that I'm going to be talking about, so so keep that in mind. Suspicious spend is is something that the motive card brings to the table. A more specific breakdown of what this data is, we're looking at on a daily to day basis, how much money is being spent in network versus out of network. Out of network is sort of just general expenses and in network is a card swipe that nets the company a discount. Again, I'm gonna talk more about those discounts. And then a spending breakdown, this is all done automatically. Here we can see cards with the highest spend. Now in terms of getting into kind of the so some of the other seeing how these cards are being used, it's gonna open up a list of all the transactions that have been made on the card. One thing I'll note here, because this question comes up pretty frequently from other times I've I've spoken face to face with companies considering adopting our card, is are cards assigned to drivers or vehicles? If you're wondering that yourself, just to put your mind at ease, you can assign a card to a vehicle. The idea there is the card is kept in the vehicle, used for any sort of purchases, or you can assign them to people. If people are moving from vehicle to vehicle, they keep the card on their person. They can use it that way too. So just to put that at ease, the question comes up enough that I wanted to mention that. So here we can see different purchases coming through, amount, if there's a rebate, the status there. Now you may be expecting to see more than this information for a given transaction. This is what we bring to the dashboard. There is this download button here. You can download those transactions as a CSV. That will obviously give you a CSV. You can look at a wider range of information, pertaining to a transaction. Now we have some filters on those transactions, and one of them As it stands, there's 2 kinds of suspicious spending that Motive will call your attention to automatically. And it's really important to highlight these in addition to some of the other benefits of the Motive card because these are things that you get with Motive card that are exceptionally difficult, if not impossible, to get from some other card providers. It is the fact that the Motive card is spend management integrated with fleet management that brings kind of this unique list of of features here. So transactions that need review. What kind of suspicious spend are we bringing to the table? Here's an example of spend, vehicle and spend location mismatch. Now because for many Motive part customers, they also patronize us for fleet management, we can track where a vehicle is located represented by this green icon at the moment that the card is swiped, represented by this red dollar sign icon. This is a distance of 96.4 miles. This very well may be caused by some sort of fraud in the system, and we bring this information to your attention. So if you choose to speak to the driver about it, look into it more, well, certainly, that ball will be in your court. Now to elaborate on a point Will made before he turned the floor over to me, he said that there is a closed beta for a feature where these sorts of transactions will be automatically declined. Right now, it's just an alert. The closed beta is for automatic decline. So just kind of painting a little picture of of that feature that he alluded to. Another kind of fraud or a potential fraud, I'll call it suspicious spend, that we will bring to your attention is fuel level and spend mismatch. In this case, a driver purchased 95.92 gallons of fuel, which would have filled the tank beyond its capacity by 90.3 gallons. So pretty neat that you have this suspicious spend brought to you right in your dashboard. You can get an alert when it occurs. And, again, I really wanna highlight the significance of this feature as a point of differentiation because if you use a fuel card that is just a fuel card, it knows how much was purchased, but there's no way to know how necessarily how big the fuel tank was, how much fuel was in the tank before the actual fill up occurred. So this is something that is unique. Moving along on this list here, this is a list of cards that have currently been assigned in the fleet. I don't think I'm gonna have too much to say about this. Yeah. Cards that are currently assigned to the fleet. Now missed savings is something that's a little bit newer to the platform, also very exciting. It's a way that you can get a better idea of how you can take advantage of this discount network that I've been mentioning. This is a list of cardholders. You can look over a certain date, and we can see which drivers are missing the most spending. If I click on one of these, it'll show me specific examples of where fuel was purchased and how much savings were missed by not going to a nearby station. So this top example, this Warren filled up at ExxonMobil at this address. If they drove just 0.6 miles away, they could have saved up to $41 by going to this this Liberty station. There's a corresponding feature in the driver app. So the from, you know, looking at Motive card from the perspective of a cardholder, I will get to, and we will actually show cardholders where they can go to get the biggest discounts. So this is telling you, a manager, after the purchase occurs, but we also have tools to empower cardholders to know where to go to begin with. Last but certainly not least, this is our tab highlighting all of our benefits. These are the rebates that I've been alluding to. So when I present this information to prospective MOTIV card customers, I normally get one of 2 reactions. So I'm gonna kinda cover both here. Sometimes, when I show these default discounts, this is these are discounts that every single person with the MOTIV card is entitled to. They either think they're great, they're gonna save a lot of money, and they look forward to using the MOTIV card and free for if that is your reaction looking at these numbers, like 21¢ per gallon diesel at Luvs, 10% off tires and maintenance, 21¢ off gallons diesel at TA Petro, then great. I I hope we can, you know, have a conversation about maybe adopting the motive card in your fleet. Sometimes, I show people these numbers, and they actually see that the discounts they currently get from another fuel card are larger. Fair enough. To those people, I would say that we do support custom, discounts and direct billing. So if that is a benefit you see now and you don't think you would benefit from these numbers that you're seeing here, I would still implore you to consider having a conversation with our team about the Motive card, because we we can support those custom discounts. We have a team that handles that all day. Now moving on here. So that that was kind of the manager standpoint. I'm gonna click on this go to admin, and there's a couple of things I'm gonna wanna call out here that are from the perspective of a motive card admin. So this is kinda dealing pretty straightforward. Should be kind of standard across platforms here. You know, your total balance and your invoices, download those. Card management. This is going to be, kind of looking at that list of cards, who, which driver or which vehicle those cards are assigned to, and the associated spend profile and security rules. I'm gonna talk more about spend profile and security rules in just a moment on settings. Orders, this is gonna be for procuring more motive cards themselves. Not too much to say about that one. And here on here on settings, this is a list of how you can actually kind of configure these cards on the back end. So some of the features here I will describe is table stakes. Frankly, there are things that everyone offers, and I'll touch on those briefly. But I really want to extend kind of expand on some of the things that differentiate the Motive card from other ones on the market. First one I'll elaborate on is here with security. So Motive, the the the Motive card does not use a PIN based unlock like many, many, many of, I'll say our competitors do. When I say pin based unlock, I'm referring to drivers who, when they wanna fill up a vehicle, they type something in on a pin pad at the gas pump itself, and that does something kind of on the back end. That is not how the Motive card works. We have a mobile based unlock. So earlier, I mentioned the Motive drive wrap. I mentioned it, in the context of the missed savings feature. The Motive drive wrap can also be used to unlock the, unlock these cards themselves. By default, they cannot be used. If you swipe them, the transaction will be declined. But upon taking an action in the MOTIV Drive app, you will unlock that card for usage. And I will show that workflow when I talk about the Motive card from the perspective of a cardholder. So we'll get to that in a little bit more detail later. Now one of the real big advantages of a mobile based unlock as opposed to the PIN, system, which, you know, you're just entering numbers on a PIN pad. 1, I suppose the mobile base unlock is more consistent. Sometimes those PIN pads don't work. I know I've had those experience in general. It's just kind of maybe can be gross or dirty to to deal with those, and and your phone's probably cleaner. But what's really neat is because we are not limited to a PIN pad, we can request additional information and build more, I guess, I'll say unique and useful interfaces for both you and the cardholders. Really, the holy grail of this feature is the idea that you can add a custom field. So every single time a card is unlocked, you can request a driver input some information, specify a job number, specify if they're filling up their vehicle or an auxiliary an auxiliary tank maybe on a piece of equipment that they're towing. This can be a text field or a single select field. So this is something that you can set up, and when drivers unlock the car, they'll be, you know, prompted to enter this information. This is far beyond, what would be capable at just, you know, like, PIN pad, enter your odometer or or something like that. Finally, you can require a receipt after every transaction. This is a feature you can turn on for kind of post transaction. It will follow-up with the driver and ask them to upload a receipt of that, if that fits your use case. Again, this is another use of the Motive Driver app. It's not possible without our driver app because, you know, the PIN based on it, there's no interface. There's no means of of acquiring this information. So, you can prompt drivers to snag a photo of a receipt after a transaction. So those are some, I think, some pretty big differentiators from what I hear about what's currently on the market. Next up is spend profiles. This is something that will be a little bit more table stakes. This is just dictating how cards are used and setting limits. These are time limits, like, they can be used every day, or they can only be used, you know, weekdays during, you know, 9 to 5, whatever the case might be, as well as spend limits. What I do see sometimes as a differentiator would be here in spend categories where you can allow all categories. So this is no restriction on the purchases in terms of what's being bought or just allowing specific categories and cutting it down to just certain categories. I will note that in terms of these spend categories, these well, I really suppose in terms of the the spend profiles themselves, you can create any number of spend profiles and assign them appropriately. So if you have certain card users who do use this card to book travel, You can check travel expenses, and other ones would not have that permission. If drivers can sometimes buy maintenance, sometimes not, accordingly, you could have it only fuel or also tack on fleet expenses for them as well. So things that, you know, sometimes, other card support, we certainly can can do that as well. And if you have drivers that keep going to those same gas stations that don't offer those discounts and just do not have have the benefits that that you want them to use, you can lock down and block locations, so that drivers will not be able to, purchase fuel there. Okay. Security, transaction requirements, spend profile, merchant controls, those are the blocked locations, and then just just email preferences there. That is going to cover the manager, point of view as well as the admin point of view. Now the last thing I wanna share is from the driver point of view, what it actually looks like for them to use the Motive card. So brief stop here. I'm gonna get my screen, my phone screen shared, and we'll move it over there. This is what the Motive card, or what what it looks like as a driver to use the the Motive card. So as I mentioned, this is all in the context of the Motive drive wrap. The Motive drive wrap has a handful of different functionality, most of which is certainly not relevant to this webinar, so I'm not gonna talk about things, outside of that. But within Motivekard, we, can see, obviously, the car if if a car has been assigned to us as a user, that's like the top example there. I'm logged in as the Brandon l local user. I have a card assigned to me. If cards are assigned to vehicles in your fleet, they will just see this second option here where if they tap here, they can unlock a vehicle card. But at the end of the day, this really you know, this is the the kind of the the end user experience for the mobile based unlock feature that I've been mentioning here. Also, just kinda continuing down the list here, we see tasks. An example of this would be, for uploading receipts. If you're requiring receipts, this will keep a running list of, hey. You made this purchase. You did not upload a receipt. Here's a a little notification to tell you that you you need to take that picture of the receipt, and then, obviously, just recent transactions. One other thing that's nice about using the Motive app for unlocks and just, like, kind of as a as a cardholder card user interface as opposed to the PIN pad is if you have a declined transaction, you can actually see the reason for it. Many of you now I mean, if you have a current card system with the PIN based unlock at the gas pump, driver gets card declined, they're kinda out of luck. They they might not know why that happened, and that could certainly be frustrating and you probably, you you may have dealt with, maybe late night or early morning phone calls with drivers frustrated asking what happened with that purchase. Now they can just resolve this, or at least sometimes they can resolve it themselves. Looking at a declined transaction, this is an example where the purchase amount was greater than the allotted single transaction purchase amount of $74. So $239 obviously did not go through. A posted transaction will, you know, have mostly the the same information. There's no decline reason, obviously, and it'll it'll call out, in the case of a fuel purchase like this exactly what was purchased at what price, how much fuel was purchased at what price. And if they required a receipt, then they would see the you know, you'd see an image of the receipt there. Now I've talked quite a bit about the card unlock. Just to give you a little preview of that, if we were to unlock a vehicle card, I'd be prompted to enter that card number here. So this is me, I'm at the pump, I have vehicle in this example, I'm in vehicle 100018, And now this card can be used for the next 30:30 minutes. Of course, it must abide. Card usage will abide by the spend profile. So time of day, day of the week, purchase volume, categories of purchase, all that sort of stuff, that still applies, but this card now can be used. Now for the, the, I guess, the the driver assigned card, which is the top option there, That does not currently have card unlock enabled, so I could use that freely. Of course, it would still abide by the spend profile restrictions, but that too would just prompt for, you know, just tapping a button, doing the unlock procedure on the the driver card. The last thing I'll add as a piece of color here on using the Motive card from the perspective of a card user, not a manager, not an admin, We understand that in the industries in which many of your companies operate, sometimes card users might be a little old fashioned and not have smartphones. I get this objection all the time. What it will say in those cases, everything you've seen so far, I believe, except for the upload of receipts I'm pretty sure, except for the upload of receipts, everything you've seen so far, you can do. You can you can facilitate in an SMS action. It ain't just a text message is what that really means. So if drivers don't have a smartphone, they will have a a phone number to which they will send text messages, to perform these sorts of procedures. They'll send a text message with that card ID 100018, and they'll receive a text message back right away saying this card is now available for use for the next 30 minutes. Yeah. So to put that kind of, you know, little background there, this can be done over text as well. But, frankly, I think the app looks a little bit nicer. If it's an option, it's probably the best case scenario. One other thing that the app offers that the, that that kind of using this in a text message format would not offer are missed savings or rather the the savings finder. So what I showed in the dashboard was missed savings where I could see, oh, hey. This driver bought, you know, $400 worth of fuel. They could have saved $40 if they went to a location half a mile away. I mean, that's good, useful information for you as a manager, but, of course, we also wanna empower drivers to be able to make those good, smart decisions. And this is how we do so. So in the app, there's an option there for savings finder, and that's what this is. It allows us to search for a location so we could search, like, along our route that we're gonna take for the day perhaps. We can apply filters such as I know I'm gonna need to buy diesel fuel. I know I'm gonna need to buy gasoline. Optionally, I can filter this so it only shows me in network as I showed on that discount screen. You're gonna get discounts at Luvs and Casey's and far more than those 2, but those are the ones that are closest by to me here in Milwaukee. Here's a list of them. I will note here too if you are getting custom discounts, this will actually list the the custom discounts as well. So not necessarily 7¢ per gallon, if if that's not what your actual discount would be. And then, obviously, just all fuel stations if if that is, appropriate. I can reload this map. There will be a lot more icons on here, obviously. So that's gonna be the savings finder. So beyond just giving you insight as to whether or not money is being spent in an economical way, drivers you know, card users themselves are empowered to just make good decisions on their own. I believe that's all I wanted to cover in terms of the card. If there are spend limits on a card, you can see that in the app too. I think that's just about all I wanted to cover there. So in summary, the perspective oops. Let me change this. In summary, I would say 3 different personas of using the driver app, of course, are managers, after money is spent, admins, before money is spent, card users, making purchases themselves. There's those 3 separate, separate interfaces for them. I believe that's everything I wanted to cover in terms of my demonstration here. So I am going to stop my share. I will pass it back to Will. He's gonna be doing a a q and a, a fireside chat with, with John from from Mavis Tire. Thank you. Thank you, Brandon. I appreciate that. Thank you for, going through the, platform for us. And, we're gonna go ahead and and go into some of these questions with John. I'd like to thank John for joining today as well. I'm gonna go ahead and, introduce myself again. My name is Will Gardner. I handle, all things cards here at Motive, and I have the opportunity to begin working with John, going on about 3 months ago. And, John's really picked it up. He's really, taken what we had to offer and and developed a way for it to work for his company and the multitude of needs that they have. So I'm gonna go ahead and pass it over to John, and, he can give us a a brief intro to tell us about himself and maybe a little bit about, Mavis Tire Supply. Yeah. Thanks, Will. My name is John. I'm the director of fleet operations here at Mavis Tire Supply. Been with Mavis for, almost 3 years now coming on to this this year. Been with Motive for about 7 months now. Recently launched the fuel cards, last couple weeks. Mavis has about 500 regulated and nonregulated vehicles across our fleet network. So, you know, being able to leverage fuel card was a big big obstacle for us. Thanks, John. So going into it, I guess one of the biggest questions that we have is what really prompted you to start exploring the search for a new fuel card provider and what really stood out to you, with the motive card that made it seem like the right fit, and and how did it work for you for your unique business case? Yeah. I mean, I think, data integrity was a big big factor for us and then fraud prevention, internal and external, fraud prevention. And that's what, you know, something that Motive, provides, you know, with proximity and also unlock base, but also, you know, one house solution, everything under one platform. It was is great, just being able to toggle back and forth between our telematics, our safety cameras, and then fuel, to help us, you know, you know, stay on track and give us all that data in one place, without any, you know, back and forth vendors. So Yeah. That makes sense. So I wanna dive into, the piece that you had mentioned about fraud. So in the industry today, you know, most fuel cards rely on a PIN system, driver ID, vehicle ID system, where it prompts at the pump, they enter in this PIN, and a lot of drivers maybe write this on the card or have something printed on their card or a sticky note attached to the card that has the pin there which is already a liability in its own right. Not to mention people share pins, people forget them, they get declines at the pump, or those those pins or those driver IDs, vehicle IDs can be skimmed and used, from those skimmers that put those devices on the pump. So Brendan had alluded to, this unique proximity based auto decline feature that we have, and it in a way has worked out as a need within your company. Can you share with us why you chose to use that for some of your drivers and and how that feature is working for you today? Yeah. So we we chose proximity. It was one of the main reasons why we went with modem as well. It was just being able to have that, proximity unlock, for our non regulated fleet. You know, our drivers that operate the cargo vans and pickup trucks, they don't have any type of, handheld device other than their personal device, and we didn't want them to to use their own personal device. So being able to, use proximity allows them to fuel with no PINs. So no PINs are being skimmed, drivers can't share PINs, just helps us beef up our security on on fraud, and gives gives us, essentially, the proximity is protecting our backs when we're not we're not watching transactions. And that's, you know, one of the main reasons why we we chose, you know, Motive was because of that proximity. Yeah. Thank you. And we we know that Brandon just walked us through the demo here. Could you maybe share some of your favorite favorite features that you use utilize today that we have to offer that you if you were to pick just a few of them? Yeah. I mean, I think proximity is definitely one of our favorite features on on the road just because it gives us our drivers, the ability to not worry about a PIN about protecting us, but also, live updates. Transactions are, essentially, you know, by by the seconds. Right? When on refresh or it gives us the ability to, see that data, you know, have full transparency of what drivers are doing. If a decline is is happening, we get to see that, you know, decline in in seconds after the driver's completed it and gives us the ability to either help our drivers or also get in front of some type of fraud. You know, recently, over the last couple of weekends, we ran into an issue where a a card was used, once, and it was skimmed moments after that. So it gave us the ability to quickly see, some type of fraud being used, and lock that card down. Yeah. I know that that, happened recently. I remember during the weekend, it ended up catching something for you through our system and you're able to block that location as well. And, and we had caught it and so we froze the card and you reached out and you said, hey, where this happened? And, I was able to go into the system and see where that first transaction took place, and I was like, hey, this station more often than not would be the place where this probably happened. And, you were able to get that removed, have a new card ordered out, and, and blocked any unwanted transactions. Right? So that that helped out quite a bit, which I don't know in your your past experience with fuel cards if you ever had anything like that flagged and and been able to be taken care of before it ended up being worse. Did you ever have an experience like that in the past that maybe didn't end up with a positive like it happened here recently? No. Definitely not. I mean, I would say most other vendors that we've used, the the spend control hasn't been that tight, or that, that strong, as being able to use that proximity and also being able to turn off that that vendor or that gas station, really gives us the ability for not to happen again. Just because at that location that it happened at, it's one of the main location that the warehouse, unfortunately, was using multiple times a day. So now, we luckily, we only saw one card get skimmed, and we were able to react quickly, but, now we can avoid that in the future. You know? Because, you know, once it's missed, essentially, like, on our other, fuel cards, once it's missed, you know, those those scammers can take us for 1,000 of dollars before we actually realize it. So because they're so quick nowadays. Yeah. That's true. I didn't realize it was so close to one of your locations. I think maybe I forgot that. That's that's wild. Well, I'm glad that we caught it, and I'm glad you acted so quickly too. I don't I don't think I've had many, people in charge of their fleet operations be as quick as you were with it and, it happening right then and there. And you're like, hey. What is this? Can we get an idea of what had happened here? So, I I appreciate you being so thorough too because it allows me to be able to react as well. So, yeah, I just wanted to wrap up. Is there any piece of advice that you might have for people here today or, something you'd like to share even for those maybe looking or people that may already have motive for their equipment? Yeah. I mean, I think the best piece of advice that I I can give anybody out there, right, that's looking at a fuel car or looking at Motive, is look past the rebates. Right? Rebates are great. Finance team always wants to hear, you know, we're receiving the best rebates. But being able to have that, you know, transparent data, that data that's flowing directly from the fuel card through, you know, the the vehicles and being, you know, presented through the portal, is, you know, just, as great as rebates. Being able to get control of, you know, the data, right, and and being able to essentially have one source versus, having to rely on multiple other vendors pushing data that could not be, you know, you know, correct or late, right, and and pushing the data through Motive, you know, just being able to have that transparent data right away, and along with, connecting that all with one one platform. Having 1 everything in one house is extremely convenient and helps us stay on top of everything. We're not flip flopping through different, websites or different portals, downloading different Excel files, and kinda marrying everything up on making sure that a vehicle is at this location or in this transaction. Now it's all in one place, and we can see it on a map. You would have alerts right away. So Yeah. Thank you. I appreciate that. That is one of the things we hear is that consolidation really helps, just be able to have everything live in one place. So, that's good to know that, that's working out for you because that is definitely one of the biggest, points that we've done to make this really work for majority of people that work with us today. So I wanted to, maybe pass this back over. We wanna do some q and a. And then, John, obviously, if people have some questions for you, maybe you'd feel, willing to to answer some of those if there I mean, those are directed to you as well. And I think Brandon might end up hopping back on to help us walk through any additional information. Yeah. Definitely. Yeah. So we'd like to leave this open. So if anyone here, has any questions you'd like us to answer, we also have Brandon jumping back on to where he can demonstrate some more of the platform here, to maybe give you a visual aid to any of those questions you might have or comments. Please just drop them in here and we'll go ahead and answer those for you. Sure. There's a couple of questions in chat here that are right up my alley, so I'm gonna take those. One question is, are transactions reported with jurisdiction information? This is a very common question. I feel this one a lot when I'm doing demonstrations of the motive card. And I think, basically, every time, if not almost every time, it comes up. It's leading to the question, will the MOTIV card or how can the MOTIV card make filing IFTA easier? And for this, I wanna introduce all a visual aid for this. So real quick, back to my screen. One of the other modules of the Motive dashboard reads fuel. In particular here, I want to highlight the IFTA summary tab that I'm now currently sharing. Now we have a list of all of our well, let me let me rephrase. If you patronize Motive for our fleet management product, we will report this distance for you. So where it says distance and miles, you see these numbers here. You will be familiar with that. In addition to having the motive card, we will also be able to fill in this final column here, fuel gallons. Of course, distance is an important part of IFTA filing, but it's really only half the battle if that in terms of the information that you need to have handy on a jurisdiction by jurisdiction basis. So with the introduction of Motive Card and spend going through our platform, it is extremely easy for us to just skim that information off the transaction and fill this IFTA summary, out with more information to make that filing easier. Similar to the transaction report that I mentioned before, this can be exported in a PDF or a CSV format for manipulation or import into other systems. Alright. I think, yeah, that will stop my screen share again, but there are 1 or 2 other questions that I wanted to take. John asked if fuel cards operate by max mag stripe chip reader or tap, or a combination? The answer would be a combination. I do believe they will all support all of those methods of entry. As of, I think, as soon as, like, the next week or 2, all the cards we ship out will have the ability to tap. I think right now, it's it's chip reader or swipe. But but if you if you signed up today, like, the cards you would receive would support tap, so it's any of them. And, Will, looked like you answered another question there from John. Yeah. When I was alluding to the app, if you're currently a Motive customer on the fleet management side and there is a driver app used for, like, ELD or safety or things like that, this is embedded in that app. So for drivers, it's I mean, it's new in the sense that it's a new thing to do in the app, but it's not a new app altogether. It's the same icon they've always used. It's just a couple extra little buttons there that pertain to that functionality. So we have a couple of other, questions too. So Dhruv asked, when is the card paid? So we do have flexible payment terms. We have a standard term which is usually a weekly net zero it's like an autopay. But when clients need specialized billing or invoicing time frames, including net terms, we can look at that and offer something flexible. We've offered monthly before as well. If you end up being interested, just make that known and we take that back and we can get those offers sent out. So, I also have another one from Joseph, which says can the 30 minute authorization time be customized, to a shorter time frame? We have had people request this. We're doing them as sort of one offs at the moment. I believe at some point in time down the road, the product team is looking at allowing that to be customized on your own. At the moment, we can sort of facilitate this on the back end depending on what your needs are, and we can look at it as a case by case basis. But there is, a possible intent on our in our, roadmap to do something for different types of authorization windows. Now we do have one for John here. It says, Jonathan, do you allow drivers to receive cash advances through the card? Is your accounting team happy with the reporting available to split fuel from other spend? Yeah. So we don't allow any drivers to do cash advance. Most of our drivers, if I'm understanding the question correctly, it's so I'm assuming over road drivers. Most of our drivers end up, back home at night, so they're they're day drivers. So we don't do any cash advance through the card. It's strictly used for a fuel. We've we've turned off all spend categories for anything else just to be strict on it. And then reporting wise, yeah, we we split almost, all of our locations up into 20 locations, I believe. So, the porting, for the split spending is is pretty great. Once you update it or once you create it within the options, any reports like that, on a spend summary, and anytime that you pull it. And then we recently just set up the report so that it pulls anytime a bill cycle has ended. So, I mean, right now, we're we're pretty happy from our other vendors. That's a lot less, data manipulating. So Thanks, John. And I know one came in also from Tim Richards. Must the card be assigned to a vehicle to use the proximity decline? So when this rolls out, we are referencing the vehicle's, VG or their vehicle gateway, their ELD, in order to understand the proximity of the vehicle. Now, if there is a driver that's connected to the vehicle, we're going to be referencing the vehicle that that driver's attached to and therefore being able to to ping off of that GPS location. And then another one here from Drew. Can we get cards for vehicles not in Motive? Yes. You can. We would have limited information like if you have company vehicles and you want cards assigned to them you can. What we do is we'd add those to your Motive database. Now they may not have the equipment installed which is fine, but you can still assign cards to them or the driver themselves to the that drive those vehicles entirely up to you. And then we can also use, specific transaction data still to, you know, help with fraud and things like that. It will be limited because obviously we don't have, like, the GPS to actually ping off of for proximity and things like that, but, you will still have spend controls, the, the driver app that you can utilize for unlocking those cards and so forth. Thank you. Those are good questions, by the way. Do we have any more here? I don't know if I saw any more. I know we have about 10 minutes left. So if anyone has any more questions, please feel free to drop them. We'd be happy to answer them as we're still here. Here's another one. Joseph Baxter, what is the refresh rate on the GPS ping? Our current solution sometimes flags transactions due to this issue. Yeah. So keep me honest here, Brandon. You might know this better than me. I believe it's 30 seconds while moving. And then when it's stationary, what's the ping rate on that? Stationary isn't turned off. It is 30 minutes for heavy duty vehicles in 24 hours, I think, for for light duty vehicles. But the the I think the important ping rate is the much faster 32nd. And without going into the nuance here, it's actually between every 2 and 30 seconds. Long story short, put it to the test, please. But I I don't I don't foresee that being an issue. I I really don't. The GPS things come in fast. There is a safety net built into firing off those alerts. We understand that those alerts should cause a a red flag at least something that that warrants investigation. And if it's not accurate, you know, it's a false flag deal and you don't wanna see that. So it's it's in our best interest in in building a little safety net, and that exists. But the GPS pings are frequent enough. I I don't think that will be an issue. One of the things I do wanna mention about that too, and it brings up a good, another good point here with what you had asked, Joseph, is that our system constantly learns from the transactions being put out there. Anecdotally, I've heard this from other clients is that they'll get these false alerts and they don't ever go away. They're constant. So, like, the same locations, if they're getting those alerts from those, they've had those recurring. So they don't from what I hear, depending on what your solution is that you're using today, some of the ones I've run into receive those repetitive alerts even though they've been identified as, incorrect. So the upside with ours is we create a white list of the locations that we've already authenticated and the ones our our clients have authenticated, and that allows us to be able to mark them down so you don't get bombarded with those, those false alerts. So something to think about. Hope we have any more here yet. We do have, something that we're always building out here. The upside here at Motive is we're always taking feedback from our clients. So if there are features or or current features that we do have that you would like us to build upon, we're always taking that feedback to help make our our product stronger and would allow it to cover more ground, especially as it relates to your business. So, definitely something to think about if you're thinking about looking more into the motive card and even our telematics solution. We always look at what we can do better and how we can advance and move forward both with our products and the industry itself. So if you do have ideas coming into this and you're like, hey. I wanna give this a try, whether that be just trialing us out or maybe you do wanna give it a try just for a select segment of your business. Any type of feedback that you have along the way, we take very seriously here. I do have one from John that just came in. If drivers have card issues overnight, do they have a motive number they can call? Yes. And help resolve their issues. Absolutely. We do have 24 hour service on that. And then depending on what it is, you know, and what time zone you're in, we always have a way to be able to resolve some issues. I know, you know, even on the weekend when John ran across the issue with the particular station, we were looking into it. And that goes for anything that you guys might experience. But, from what I've seen, our issues are very limited just for how tight everything is. But, yeah, we we do have we do have a phone number for, resolutions that might take place after hours. Good questions, guys. Thank you as well, by the way. Got another one, John. Yep. Can you explain the spend limits a bit more per day, per vehicle, etcetera? Yeah. So, the spend limit controls, what you could do is you can create a profile, and on that profile you can have as many cards put onto this profile. These profiles will have different types of spending allocations to them and then certain categories that you can restrict or allow for that particular profile. You can tweak or change that profile or even move cards from one profile to another and it's all in real time. So the hierarchy would work of, per transaction, per day, per week, or billing cycle, and then calendar month. And then within that you would have categories. So typically you think of like fuel, maintenance, and t and e, except with ours. If you took those 3 buckets you can actually break those out. For instance, with fuel you could do fuel pump only, fuel apps like MudFlap, or in store purchases for the fuel. You can select which ones you'd like to allow for that specific category and those can be restricted to those subcategories I mentioned. That goes the same for each of those including the TNE portion. We see a lot of people issuing these to accounts payable or administrators as well as executives because our cards are actually very nice looking too. We don't hear anything about people being embarrassed bringing them out or anything like that. They're very clean, very nice, and, I don't I've never heard any complaints about people using them for just t and e or other variable expenses. And I hope that answers, your question. Excellent. Thank you for all the questions today. So I know we're wrapping up here in, 4 minutes. I don't know if we have any last minute questions before we wrap here soon. I know at the top of the hour we'll be cut from this, so, if you have any more please feel free. I got one here. Are there fuel rebates on all purchases or just fuel? Depending on what your uses are for this, we do look at that. One of the things we request and that we do differently here is we don't ever try to route people only to our stations. What we do is we do a transaction file analysis. If you're able to extract a CSV from your current fleet card or credit card or whatever card you're using for your business today, We do an overlay and we're able to quantify what your savings would have been on our card. We look at both partnerships and non partnership savings. If we find a place to where we can offer additional rebates outside of our partnership network, we definitely include those. John, for instance, does have rebates on other expenses outside of just their partnerships. The one thing I could recommend is if you can submit one of those, we can quantify that for you and you can take a look at that and see what we can offer. I'm actually very glad you asked that question, Joseph. Right. Just about 2 minutes left here. I do wanna thank everyone for attending today. Thank you all very much for your questions, for carving out some time to to visit us and look at what we can offer you. If you are inclined, please check out what we have to offer, further. Reach out to any of us, and then, we also have some links available that you can visit and ask more questions too. And then also if you do feel like you wanna move forward, by all means, always apply with us. It's free. We're not charging you anything to use our card, so, feel free to try it out. We're just gonna hang back just a few more minutes to see if there's any last minute questions, but this will be cutting soon. Yes. From Linda, we do have a full list of qualifying stations. That can also be found on our website, and, we can probably provide something directly as well after this call. Thank you all for attending, and we look forward to speaking to you all again soon.