P97 Networks

Name: P97 Networks
Brand: P97 Networks

Transforming the payments experience for the age of new mobility.

Est 2012|Valuation $95M|Raised $120.6M|1 Ref Customers

LinkedIn 9K|Website|FTEs 51|HQ Houston, Texas, US

Published Aug 3, 2026

01Common complaints

- The organization requires a fast, low-integration launch: if internal resources cannot support POS/forecourt/payment/loyalty integration workstreams, a simpler payments or wallet solution may be more appropriate. - The procurement process requires public, independently validated product reviews as a gating input: P97 has limited visibility on mainstream review platforms; procurement may need to rely more on reference calls and pilots. - The primary use case is fleet-only payments on a closed-loop network: fleet network providers may be a more direct fit. - The procurement model requires published list pricing: P97 does not publish list pricing and negotiates enterprise contracts. - The buyer requires publicly published security documentation (a public trust center or ISO certificates): some compliance claims appear in press materials, but detailed security documentation may be available only under NDA.

Deal disqualifiers (poorer fit)

Small single-site or small-chain retailers seeking self-serve pricing and minimal integration
Buyers seeking a self-serve SaaS procurement model with rapid deployment and transparent list pricing

Publicly observable limitations

Pricing opacity: no public pricing tiers or list prices.
Limited public security/trust-center documentation: compliance claims often appear in partner or press releases rather than a public trust portal.
Limited mainstream B2B review coverage: independent public product reviews are sparse, increasing diligence requirements.

Potential operational risks (inferred from employee reviews)

Employee review signals around culture and turnover could affect delivery and support continuity.

Roadmap visibility

PDI acquisition materials suggest continued investment and expansion into connected devices and vehicle integrations, but detailed roadmap dates and commitments are not publicly published.

02Why they buy

Validated/credible differentiators (with evidence)

Claims of customer deployments with multiple fuel brands and scale assertions appear in PDI acquisition materials and vendor announcements.
Vertical focus on connected commerce that combines mobile commerce, payments, retail offers/loyalty, fleet enablement, and EV charging integration.

Claims that require validation

Uplift metrics (e.g., percentage increases in basket size or fuel sales) require case-specific validation.
Scale claims (site counts, commuter reach, charger support) are vendor-asserted and should be verified during diligence.

Areas where competitors may have advantages

Fleet network providers (e.g., WEX) may offer stronger closed-loop fleet controls and associated economics.
Large payment processors may provide broader global payments coverage, developer experiences, and pricing transparency.

03Field reports

Review platform availability (G2, Capterra, TrustRadius)

P97 does not have a strong presence on mainstream B2B software review platforms (G2/Capterra/TrustRadius) based on the search results reviewed. This may be due to the product being sold as embedded infrastructure and enterprise procurement practices that limit public reviews.

As a result, independent public customer reviews are limited; procurement teams should plan for more reference checks and technical validation.

Employee-review evidence (proxy signal, not customer reviews)

Employee review sites provide proxy signals about execution risk (delivery, support burden, turnover). Examples from publicly visible employee reviews include: - Indeed: comments referencing poor work-life balance and high turnover from at least one software engineer review. - Glassdoor: mixed to critical commentary about management, culture, growth opportunities, and benefits. These employee-sourced statements suggest potential organizational strain that may affect enterprise delivery and support. They are not definitive assessments of product quality but are relevant to diligence on implementation and support risk.

Customer logos / adoption claims (vendor and press)

Vendor and acquisition materials reference deployments with multiple large fuel brands and include claims of a broad deployment footprint. These are footprint assertions that should be validated to determine which modules are deployed (payments only vs offers/loyalty), scale of active usage, and performance SLAs achieved.

Example customer/partner stories (press-based)

A major fuel retailer mobile app rollout covering many retail sites.
A national operator pay-at-the-pump and EV charging implementation.
A regional operator selected the motorist app solution for a market rollout.

Limitation: these are announcement-style materials rather than independent, post-implementation reviews, and they generally emphasize positive outcomes without detailed operational data.

Case study signals from press releases (high-level)

1. Large fuel retailer mobile app rollout (announced) - Scope described: pay-at-pump activation, secure payments for fuel/car wash/in-store, and offers/rewards across many sites. - Critical evaluation: announcements do not provide independently verified metrics (conversion, basket uplift, fraud reduction). Implementation details (timeline, integration partners, operational SLAs) are not fully disclosed publicly. 2. National operator pay-at-the-pump + EV charging (announced) - Claims: references to PCI DSS and SOC 2 in press materials; Azure and MFA mentioned for cloud services. - Critical evaluation: compliance claims are helpful but do not provide operational performance data (latency, auth success rate, pump activation success rate, downtime history). 3. Regional operator selection (announced) - Claims: selected for functionality with referenced compliance claims in the announcement. - Critical evaluation: press-release claims are useful signals but do not substitute for post-implementation performance metrics or independent audits.

What to request during diligence (to validate ROI and outcomes)

Before/after metrics by cohort (mobile pay users vs non-users)
Fraud metrics (card skimming reduction, friendly fraud rates)
Pump activation success rates, median transaction time, decline reasons
Support metrics: MTTR, incident counts, SLA adherence

04Best fit

Company sizes

Best-fit buyers tend to be large multi-site retailers and fuel brands and mobility networks (EV charging operators, OEM programs) where payments, identity, and location are important.

Industries / verticals

Convenience retail and fuel marketers
Fleet fueling programs and fleet card issuers
EV charging ecosystems requiring integrated payment enablement tied to store journeys

Roles & personas

VP/Director of Digital, Mobile App, or Loyalty
Payments or product leaders
IT architecture and security/compliance teams
Operations leaders responsible for site uptime and customer support

Pain points addressed

Reducing friction at the pump (eliminating keypad entry)
Increasing basket size and attachment sales via offers
Modernizing loyalty with mobile-first earn/redeem models
Reducing fraud exposure (skimming and friendly fraud)

Qualification criteria (suitable fit)

The organization is able to commit to a multi-month integration program
There is a branded app and loyalty strategy or a plan to develop one
The organization requires enterprise-level support and reporting across many sites

05The pitch

What the product does (objective value proposition)

P97 Networks provides a cloud-based connected commerce platform used primarily by fuel/convenience retailers and mobility brands to enable: - Mobile payments at the pump and in-store (often via a retailer’s branded/white-label app) - Digital offers, loyalty, and customer engagement tied to transactions - Support for multiple payment methods (cards, wallets, ACH, proprietary methods) - Extensions into EV charging payments and fleet-related digital enablement P97 describes its product as infrastructure that connects consumer mobile experiences (and increasingly vehicles/connected cars) to retailers’ POS/payment ecosystems, with an emphasis on identity, geolocation, fraud controls, and offer/loyalty orchestration.

Target market & positioning

- Primary verticals: convenience retail, fuels marketing, mobility/transportation payments; materials also reference utilities, energy companies, and automotive OEMs. - Positioning: designed for enterprise scale, supporting branded apps and pay-at-the-pump experiences across large retail networks. - Go-to-market pattern: appears to be sales-led and demo-driven, with integration into existing POS, loyalty hosts, and payment infrastructure. Materials from the vendor include claims of a large deployment footprint and significant transaction volume. These are vendor-asserted metrics and should be validated by buyers via independent sources or reference checks.

Get a comprehensive analysis of P97 Networks including market position, competitive landscape, adoption trends, and peer benchmarks.

Download full report →

Published Aug 3, 2026

01Common complaints

The organization requires a fast, low-integration launch: if internal resources cannot support POS/forecourt/payment/loyalty integration workstreams, a simpler payments or wallet solution may be more appropriate.
The procurement process requires public, independently validated product reviews as a gating input: P97 has limited visibility on mainstream review platforms; procurement may need to rely more on reference calls and pilots.
The primary use case is fleet-only payments on a closed-loop network: fleet network providers may be a more direct fit.
The procurement model requires published list pricing: P97 does not publish list pricing and negotiates enterprise contracts.
The buyer requires publicly published security documentation (a public trust center or ISO certificates): some compliance claims appear in press materials, but detailed security documentation may be available only under NDA.

Deal disqualifiers (poorer fit)

Small single-site or small-chain retailers seeking self-serve pricing and minimal integration
Buyers seeking a self-serve SaaS procurement model with rapid deployment and transparent list pricing

Publicly observable limitations

Pricing opacity: no public pricing tiers or list prices.
Limited public security/trust-center documentation: compliance claims often appear in partner or press releases rather than a public trust portal.
Limited mainstream B2B review coverage: independent public product reviews are sparse, increasing diligence requirements.

Potential operational risks (inferred from employee reviews)

Employee review signals around culture and turnover could affect delivery and support continuity.

Roadmap visibility

PDI acquisition materials suggest continued investment and expansion into connected devices and vehicle integrations, but detailed roadmap dates and commitments are not publicly published.

02Why they buy

Validated/credible differentiators (with evidence)

Claims of customer deployments with multiple fuel brands and scale assertions appear in PDI acquisition materials and vendor announcements.
Vertical focus on connected commerce that combines mobile commerce, payments, retail offers/loyalty, fleet enablement, and EV charging integration.

Claims that require validation

Uplift metrics (e.g., percentage increases in basket size or fuel sales) require case-specific validation.
Scale claims (site counts, commuter reach, charger support) are vendor-asserted and should be verified during diligence.

Areas where competitors may have advantages

Fleet network providers (e.g., WEX) may offer stronger closed-loop fleet controls and associated economics.
Large payment processors may provide broader global payments coverage, developer experiences, and pricing transparency.

03Field reports

Review platform availability (G2, Capterra, TrustRadius)

As a result, independent public customer reviews are limited; procurement teams should plan for more reference checks and technical validation.

Employee-review evidence (proxy signal, not customer reviews)

Employee review sites provide proxy signals about execution risk (delivery, support burden, turnover). Examples from publicly visible employee reviews include:

Indeed: comments referencing poor work-life balance and high turnover from at least one software engineer review.
Glassdoor: mixed to critical commentary about management, culture, growth opportunities, and benefits.

These employee-sourced statements suggest potential organizational strain that may affect enterprise delivery and support. They are not definitive assessments of product quality but are relevant to diligence on implementation and support risk.

Customer logos / adoption claims (vendor and press)

Example customer/partner stories (press-based)

A major fuel retailer mobile app rollout covering many retail sites.
A national operator pay-at-the-pump and EV charging implementation.
A regional operator selected the motorist app solution for a market rollout.

Limitation: these are announcement-style materials rather than independent, post-implementation reviews, and they generally emphasize positive outcomes without detailed operational data.

Case study signals from press releases (high-level)

Large fuel retailer mobile app rollout (announced)
- Scope described: pay-at-pump activation, secure payments for fuel/car wash/in-store, and offers/rewards across many sites.
- Critical evaluation: announcements do not provide independently verified metrics (conversion, basket uplift, fraud reduction). Implementation details (timeline, integration partners, operational SLAs) are not fully disclosed publicly.
National operator pay-at-the-pump + EV charging (announced)
- Claims: references to PCI DSS and SOC 2 in press materials; Azure and MFA mentioned for cloud services.
- Critical evaluation: compliance claims are helpful but do not provide operational performance data (latency, auth success rate, pump activation success rate, downtime history).
Regional operator selection (announced)
- Claims: selected for functionality with referenced compliance claims in the announcement.
- Critical evaluation: press-release claims are useful signals but do not substitute for post-implementation performance metrics or independent audits.

What to request during diligence (to validate ROI and outcomes)

Before/after metrics by cohort (mobile pay users vs non-users)
Fraud metrics (card skimming reduction, friendly fraud rates)
Pump activation success rates, median transaction time, decline reasons
Support metrics: MTTR, incident counts, SLA adherence

04Best fit

Company sizes

Best-fit buyers tend to be large multi-site retailers and fuel brands and mobility networks (EV charging operators, OEM programs) where payments, identity, and location are important.

Industries / verticals

Convenience retail and fuel marketers
Fleet fueling programs and fleet card issuers
EV charging ecosystems requiring integrated payment enablement tied to store journeys

Roles & personas

VP/Director of Digital, Mobile App, or Loyalty
Payments or product leaders
IT architecture and security/compliance teams
Operations leaders responsible for site uptime and customer support

Pain points addressed

Reducing friction at the pump (eliminating keypad entry)
Increasing basket size and attachment sales via offers
Modernizing loyalty with mobile-first earn/redeem models
Reducing fraud exposure (skimming and friendly fraud)

Qualification criteria (suitable fit)

The organization is able to commit to a multi-month integration program
There is a branded app and loyalty strategy or a plan to develop one
The organization requires enterprise-level support and reporting across many sites

05The pitch

What the product does (objective value proposition)

P97 Networks provides a cloud-based connected commerce platform used primarily by fuel/convenience retailers and mobility brands to enable:

Mobile payments at the pump and in-store (often via a retailer’s branded/white-label app)
Digital offers, loyalty, and customer engagement tied to transactions
Support for multiple payment methods (cards, wallets, ACH, proprietary methods)
Extensions into EV charging payments and fleet-related digital enablement

P97 describes its product as infrastructure that connects consumer mobile experiences (and increasingly vehicles/connected cars) to retailers’ POS/payment ecosystems, with an emphasis on identity, geolocation, fraud controls, and offer/loyalty orchestration.

Target market & positioning

Primary verticals: convenience retail, fuels marketing, mobility/transportation payments; materials also reference utilities, energy companies, and automotive OEMs.
Positioning: designed for enterprise scale, supporting branded apps and pay-at-the-pump experiences across large retail networks.
Go-to-market pattern: appears to be sales-led and demo-driven, with integration into existing POS, loyalty hosts, and payment infrastructure.

Materials from the vendor include claims of a large deployment footprint and significant transaction volume. These are vendor-asserted metrics and should be validated by buyers via independent sources or reference checks.

Get a comprehensive analysis of P97 Networks including market position, competitive landscape, adoption trends, and peer benchmarks.

Download full report →