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Digital Commerce

Fueling customer growth with new payments models

Mobile apps and customer connections create new payments options for fuel providers to demystify swipe fees, identify the best product offerings and control payment transaction costs.

To win and keep business, fuel retailers are pumping up the customer experience. Some are offering real food - such as a take-out lunch or an apple - from the adjacent convenience or grocery store. Some are enabling drivers to order a soda from their car or pay with a mobile app.

A new era of remote work and the slow return of office commuter trips has reshaped consumer behavior. Home-office workers tend to plan their trips and are less likely to stop in for a gallon of milk on the way home. Meanwhile, commercial fuel sales will likely continue to grow as consumer spending continues and the trucking industry helps retailers restock depleted inventory.1

With slim margins at the pump and softer consumer demand, many businesses are rethinking customer experiences both in-store and at the pump to drive revenue.

This means:

How to Navigate Disruptions in Fueling

Whether your operation relies on sophisticated data scientists or a spreadsheet, J.P. Morgan can help you focus your time and effort to modernize. Adopting new payment models can help your business demystify swipe fees, find the right mix of products offerings, and put you back in control of payment transaction costs can help you demystify swipe fees, find the right mix of product offerings and put you back in control of payment transaction costs.

Whether you rely on sophisticated data scientists or a spreadsheet, your organization can modernize its payments strategy. This includes demystifying and optimizing swipe fees and finding the right mix of product offerings. Dedicating time and effort to these projects can help your organization better control its payments and transaction costs.

Further, it’s valuable if your partner can consult and advocate across the entire payments ecosystem. Acquiring banks, payments, processors, and card issuers are needed and can support the following solutions below:


Optimize swipe fees

Connect with customers to understand how to enhance their experience

Develop custom payment solutions that streamline these processes

Build omni-channel platforms to manage customer transactions across fuel, food, self-service, and self-checkout

Identify the right pre-certified solutions such as POS equipment, service providers, and mobile app vendors


It can be particularly helpful if you work with a partner that can provide a comprehensive set of solutions. Most providers only offer some of the above solutions, but some partners can offer all of these solutions, which also ensures that each is properly integrated to maximize the benefits for your organization.



Connect with your local J.P. Morgan representative to learn more about our comprehensive set of solutions






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