# Fuel cards: open-loop vs closed-loop networks in Mexico

> Open loop or closed loop: how your fuel card's network architecture defines coverage, CFDI capture and control, plus a migration checklist for incumbents.

**Author:** Rodrigo Vázquez — Mexican Tax Specialist (SAT, CFDI)  
**Reviewed by:** Marina Costa — Brazilian Tax & Compliance Specialist  
**Published:** 2026-07-18  
**Updated:** 2026-07-18  
**Last reviewed:** 2026-07-18  
**URL:** https://quilometragem.com/blog/fuel-cards-open-loop-vs-closed-loop-networks-in-mexico

**TL;DR:** Open vs closed loop in fuel cards: universal coverage with per-card controls versus affiliate lists with route gaps.

- Closed-loop cards only work at the issuer's affiliated stations.
- Residual cash above 5% of fill-ups signals insufficient coverage.
- A SAT-authorized wallet can run open loop with per-fill CFDIs.
- Pilot 30 days on intercity routes before migrating the fleet.

## Summary

Open-loop (Mastercard-based) vs closed-loop (affiliate-network) fuel cards in Mexico: closed networks create coverage gaps on intercity routes and non-deductible residual cash spend; open loop covers virtually every station with per-card controls. A SAT-authorized wallet can run on open loop with automatic per-fill CFDIs. Migration checklist included.

## Frequently asked questions

### Does an open-loop card lose spend control?

No: control comes from rules on the instrument — merchant category locked to gas stations, plus per-card amount, schedule and geography limits.

### How do I know my current network is insufficient?

Measure residual cash: fill-ups paid outside the card. Above 5% of transactions, the network doesn't cover your routes.

## Sources

- [SAT — Emisores autorizados de monederos electrónicos de combustible](https://www.sat.gob.mx/consultas/operacion/44083/consulta-los-emisores-de-monederos-electronicos-autorizados) — Servicio de Administración Tributaria (2026-07-08)
- [Ley del Impuesto sobre la Renta — Art. 27, fracción III](https://www.diputados.gob.mx/LeyesBiblio/pdf/LISR.pdf) — Cámara de Diputados (2026-07-08)