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Client stories 


Leading the way for loyalty in petrol stations

Lukoil, is the world’s second largest energy company.

Lukoil wanted to increase the number of customers using their petrol stations to fill up their vehicles with petrol or diesel. The solution? A Lukoil-only payment card that could offer instant corporate payment and discounted rates, giving professional drivers an incentive to stop at Lukoil instead of competitors' stations.


Leveraging payment innovation for petrol stations

For years, payment technology has been advancing, but petrol stations have been left behind. Lukoil wanted to jump ahead of the market by offering a new and innovative payment system that would set them apart from the competition. This was combined with a desire to adapt to new customer demands, offer added value with insight into user

behavior, and diversify the services offered at fuel stations.

A common challenge to all petrol companies

When stopping to buy fuel, purchase decisions are often motivated by location and convenience, rather than brand loyalty. So, how would it be possible to ensure that customers don’t just stop anywhere for fuel, but stop at Lukoil? Lukoil was looking for a new payment card that would be a strategic point of difference from the competition with clear benefits for users: speed, savings and convenience.

At a glance

  • Ingenico Group countertop and wireless terminals
  • Closed- loop payment system
  • Web-based management tool for reporting
  • Real-time transaction information
  • Ability to set and change transaction limits
  • Ability to blacklist cards for security purposes


Benefiting from a strong network of over 600 points of sale in Turkey, there was already a comprehensive country-wide POS network in place to support this scheme. It was developed in collaboration with Ingenico, the leader in payment systems, which was selected for its specialised team and experience. For the greatest commercial impact, the new payment card would be aimed at road transport companies with a high need for fuel, such as fleets, coaches and transportation companies.

Streamline payment experience at the counter

When a consumer pays with a fuel card, payment is easy and takes less than a minute to complete. On arriving at the cash register, the cashier asks the consumer for the pump number and keys it into the terminal and can access the right transaction on the POS system among the last three ones on that pump. The amount and product details are automatically selected and logged in the system. Once swiping the Lukoil card, the details are recorded in real time, and payment is complete.

A flexible management

Lukoil issues all cards to customers with recommended pre-set limits. Users can only buy fuel to a total value up to and including their pre-defined limits. Managers can change their drivers’ limits as needed, depending on their budgets and cashflow.

Ingenico POS terminals combined with this software application bring a new dimension to payments, allowing users to manage fuel expenditures for companies in a more streamlined, unified and traceable way.

Key benefits

Combining our POS terminals with a software application brings a new dimension to payments, allowing users to manage fuel expenditure for companies in a more streamlined, unified and traceable way.

Save time and avoid paperwork

The solution offers significant time savings for fleet managers, as there is no need to manually check receipts or credit expenses: all records are stored electronically and can be automatically compiled each month.

Real-time updates on the dashboard

The dashboard can be accessed on line by individual users and by the corporate manager using their unique, secure username and password. Users have access to different features depending on whether they are drivers or managers and can also check their own account activity wherever they are, at any time.

Remotely manage payment cards

Managers can be responsive to any unusual activity. Payment limits can be applied, extended or lifted; the card can even be cancelled or blacklisted instantly if necessary.

iWL250 / Ingenico’s Wireless terminal

Lukoil is a major international vertically-integrated oil & gas company, accounting for 2.1% of global output of crude oil. Lukoil is the largest privately owned oil & gas company in the world by proven oil reserves and one of the biggest Russian oil business groups with $139 billion in revenue and net income in excess of $11 billion.