AtoB Fraud Guarantee: Terms & Conditions

At AtoB, we’re committed to helping protect your business from fuel fraud. The AtoB Fraud Guarantee (“Fraud Guarantee” or “FG”) offers extra protection for certain unauthorized fuel transactions, with coverage amounts based on your account type and credit limits. The Fraud Guarantee is only available to Premium customers. Please read these Terms & Conditions carefully.

1. Fraud Guarantee for Credit Accounts

If you’re a Premium customer with an AtoB credit account, you’re automatically placed into a Fraud Guarantee tier based on your weekly credit limit. Each tier has an annual cap on the amount of fraud coverage available.

How Tiering Works

• Tiers are assigned automatically based on your weekly credit limit as of the transaction date.
• Your tier may change if your credit limit is adjusted.
• Annual FG coverage caps reset every January 1.

New Accounts & Prorated Coverage

If you open your account partway through the year, your annual coverage limit is prorated using this formula:

Prorated Annual Cap = (Days remaining in the calendar year ÷ 365) × Full Annual Cap

Example:

• Account opens October 1 (92 days left in the year)
• Tier 3 full cap = $75,000
• Prorated cap ≈ $18,904

Prorated caps will be rounded up to the nearest $100 or $500 for simplicity in communication.

2. Fraud Guarantee for Prepaid Accounts

AtoB also offers the Fraud Guarantee to select Premium customers who have prepaid accounts with a strong usage history. This provides fraud protection for eligible prepaid accounts.

Coverage Details for Prepaid Accounts

• Annual coverage limit: $5,000 per account (no per-card cap).
• Annual limit resets every January 1.
• Proration may apply if your account becomes eligible partway through the year.
• Not all prepaid accounts qualify for the Fraud Guarantee, and AtoB reserves the right to revoke coverage in cases of misuse or policy violations

3. Eligibility Requirements

The Fraud Guarantee is only available to Premium customers. To be eligible for coverage under the Fraud Guarantee (for credit or prepaid accounts), your account must meet specific requirements regarding security settings, transaction types, and account status.

For full details on eligibility requirements, please see our AtoB Fraud Guarantee – Eligibility.

4. Exclusions

The Fraud Guarantee does not cover:

• Transactions made somewhere other than automated fuel dispensers (AFDs).
• Online or manually keyed-in transactions.
• Transactions where telematics data places the vehicle near the merchant at the time of the charge.
• Transactions approved via manual override.
• Disputes involving driver misuse or multiple disputes on the same card/account without corrective action.

5. Fraud Alerts & Card Deactivation

If AtoB detects potential fraud:

• A fraud alert may be sent to the customer.
• If the customer does not respond, AtoB may deactivate the card for security reasons.
• To remain eligible for coverage, customers should not dismiss the fraud warning and should keep the card deactivated unless cleared by AtoB Support.

6. Filing a Dispute

To submit a claim under the Fraud Guarantee:

• Disputes must be filed within 2 billing cycles of the transaction.
• The transaction must be settled and disputed via the AtoB portal.
• AtoB will review transaction details, vehicle location data, receipts, and other evidence to determine eligibility.
• Approved claims will be reimbursed or credited against your account, subject to your annual coverage cap.

7. Changes to This Program

AtoB reserves the right to modify, suspend, or terminate the Fraud Guarantee program at any time. The most current terms will always be available on our website or provided to you in writing.

Questions?

We’re here to help. Contact your AtoB Support at 833-947-2862 or visit https://www.atob.com.