Mudflap is a diesel discount app and fuel card: it puts truck stop prices and discounts on a map, and the driver picks a stop and navigates to it. ValveRide Flow decides where and how much each truck fuels, based on the load, route, hours of service, and tank level, across the fleet's own fuel contracts. For fleets of 50 or more trucks, Flow Enterprise makes that decision on every load, and the fleet can keep its card for paying.
We make Flow. Every Mudflap and AtoB claim below comes from their own public websites and is dated in the sources note.
Mudflap describes itself as a diesel discount network. Drivers use the app on an existing debit or credit card and get a discounted price at in-network truck stops; fleets can use the Mudflap Fuel Card for credit, spend controls, and fraud alerts. Its site also describes a route optimizer and a Find Fuel map, searchable by route, that show best-priced stops in its network for the driver to pick from, plus IFTA-friendly reporting.
AtoB describes itself as a fuel card and financial services platform for fleets: fuel discounts, spend controls, telematics checks on location and tank level, IFTA transaction reports, and AtoB FuelMap, which its site says pre-plans routes with stops at the highest-discount, lowest-price stations. For finding a good price at the pump, both are purpose-built.
Flow is not a card and has no discount network of its own. For each dispatch it decides where the truck should fuel and how many gallons to buy at each stop, using the fleet's own contract discounts on whatever cards and chains it already holds, live prices at 7,500+ US truck stops, IFTA state fuel tax across 48 states with data, ELD fuel level, and hours of service timing.
It re-plans for the whole trip, offers alternate stops when the plan changes, and watches for fuel theft on card transactions and parked trucks. The published result is about $0.90 per gallon saved, blended across live fleets over the trailing 12 months, and 100% of claimed savings reconciled against actual fuel card transactions.
A discount card sets what you pay at a stop. Flow decides which stop and how many gallons. Keep the card you like for paying and for its discounts; Flow plans the fill around the route, the tank, state fuel tax, and the hours left on the clock, then sends the plan to the driver by SMS, email link, or in-cab message on Samsara and Isaac.
Nothing has to be replaced. Fleets keep their card, their contracts, and their TMS, and Flow takes dispatches by webhook or API. Flow does not pull Mudflap or AtoB in-app deal prices today; it plans against posted prices and the contract rates the fleet holds.
| Mudflap | ValveRide Flow | |
|---|---|---|
| What it is | Mudflap: diesel discount app and Visa fuel card. AtoB: fuel card and spend management platform. Per their sites | Fuel decision software for each dispatch; not a card and not a discount network |
| The decision it makes | What you pay at a stop, plus tools to find discounted stops along a route (Mudflap route optimizer and Find Fuel map; AtoB FuelMap) | Which stop each truck uses, how many gallons to buy there, and on which contract |
| Whose discounts | Each vendor's own network discounts; AtoB says it can port some existing discounts at partner merchants | The fleet's own contracts across every card and chain it already holds |
| Inputs to the plan | In-network prices and discounts; both connect telematics for fraud and fuel level checks, per their sites | Contract discounts, live truck stop prices, IFTA state fuel tax, ELD fuel level, HOS timing, and the dispatched route |
| IFTA | IFTA-friendly receipts and transaction reports, per their sites | State fuel tax is priced into each stop choice before the fill |
| Fraud and theft | Spend controls, fraud alerts, and telematics location checks; AtoB also checks tank capacity, per its site | Fuel theft watch: card transaction anomalies and tank drops on parked trucks with no matching fill |
| Proof published | Vendor-reported discount savings | about $0.90 per gallon saved, blended across live fleets over the trailing 12 months, reconciled against actual fuel card transactions |
Mudflap and AtoB characterizations reflect their own public websites as of October 19, 2026: mudflapinc.com (home, Fleets, and FAQ pages) and atob.com (home and Fuel Cards pages). Features change; verify current details with Mudflap and AtoB. No disparagement intended: a discount card is a genuinely good way to lower the price at the pump.
At that size most fleets run a fuel card, such as Mudflap or AtoB, plus a central fuel decision. ValveRide Flow Enterprise decides where and how much each truck fuels on every load, from the load, route, hours of service, and tank level, across the fleet's own contracts, with managed ELD and TMS integrations. Pricing is per truck.
Mudflap is a diesel discount app and fuel card, and its site describes a route optimizer that shows best-priced stops in its network; the driver still picks the stop. ValveRide Flow plans across the fleet's own contracts on any card or chain, picks the gallons as well as the stop, and prices in IFTA tax, ELD fuel level, and hours of service.
Mudflap and AtoB both set what you pay at the pump: Mudflap as a discount app and Visa card, AtoB as a fuel card with spend controls and FuelMap. ValveRide Flow decides which stop and how many gallons for each truck on each dispatch. Pick a card for paying and discounts, and add Flow for the fuel decision.
Most 10-truck fleets need two things: a fuel card for paying, discounts, and spend controls, such as Mudflap or AtoB, and a way to decide where each truck fuels. ValveRide Flow handles that second job from dispatch, using your contracts, IFTA tax, ELD fuel level, and HOS timing, priced per truck, never per driver.
The published figure is about $0.90 per gallon saved, blended across live fleets over the trailing 12 months. It is not a per-fleet guarantee: results depend on each fleet's lanes, contracts, and fueling habits, and every claimed dollar is reconciled against the actual fuel card transaction. Pricing is per truck, never per driver.
Still forming a shortlist? Start with the category guide: best fuel optimization software for trucking fleets.
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