Coast

Coast replaces shared PINs with a mobile-authentication flow and links every transaction to the vehicle's real-time GPS coordinates and tank capacity via telematics integrations. The system blocks a charge before authorization if the vehicle is not at the pump location or if the gallons purchased exceed the tank's rated capacity. The firm backs this architecture with a $25,000 annual fuel-fraud guarantee when customers use its advanced security features (per the firm, 2026).

The platform connects bidirectionally with telematics providers Samsara, Geotab, Verizon Connect, and Azuga, using their data streams to enforce spend controls. For accounting, Coast syncs categorized transactions and receipts to QuickBooks Online, QuickBooks Desktop, NetSuite, and Sage Intacct. A BuildOps integration allows field employees to assign card expenses to specific jobs in real time (per the firm, 2026).

Coast targets operators with vehicle fleets, with heavy concentration in construction, landscaping, and skilled trades. Its 2025 customer survey drew from businesses operating 10 or more vehicles. The company's feature set—GPS-blocked transactions, merchant-category controls, and job-level cost coding—is designed for the workflow of field-service and project-based businesses rather than general corporate spend.

Coast charges $4 per month per active user, defined as a user with one or more completed transactions in the billing cycle. There is no personal guarantee required at account opening, and no impact on the applicant's personal credit score. Late-payment penalties and a 2.5% international-transaction fee apply according to the firm's posted terms (per the firm, 2026).

Coast operates as a technology-enabled card-issuing platform rather than a traditional balance-sheet lender. The company's value proposition centers on the software layer—telematics integration, real-time authorization rules, and expense management—combined with Visa network acceptance and a revenue model tied to interchange and per-user SaaS fees.