The opportunity: seamless payments from the comfort of your car

Whether refueling or recharging, parking or picking up a meal at a quick-service restaurant, we make payments in and around our cars all the time. Until now, all these payment journeys have been fragmented. We tap and swipe to pay for fuel at the pump, enter our zip codes to confirm, use our mobile phones to pay at a parking meter, order and pay for takeout food via an app, and so on.

In-vehicle commerce unifies these fragmented journeys, making ordering, activating, and paying for all these ‘car-related’ services all possible on your car’s infotainment screen.

Sheeva.AI is at the forefront of in-vehicle commerce innovation

Sheeva.AI has the technology in place to make in-vehicle payments a reality and is working with auto manufacturers to embed this technology into new vehicles globally.

When Sheeva.AI came to us, they needed a payments company who could support this journey from pilot to product. One who could take the incredibly complex world of digital remote payments and create an experience that was instant, secure, and seamless for both drivers and service providers. And one who could do it across multiple regions where consumer behaviors, favorite brands, and banking systems are so different.

There used to be an expression of having ‘three screens’ in your life: laptop, smartphone and TV. Now the car infotainment screen has replaced the TV as your third interactive screen. You use all three of these screens in similar ways, but not in the same way—and the infotainment screen of your car is now the command center of this ‘third place’ in your life, particularly if you’re about to go somewhere and plug it in for 30 minutes.

Trevor Curwin, Director of Partnerships, Sheeva.AI

The solution: Streamlining in-vehicle commerce with tokenization

Sheeva.AI has created technology that opens the door to in-car commerce.

To do this, Sheeva.AI created the SheevaConnect™ platform and three key pieces to unlock the in-vehicle payments puzzle:

1

SheevaLocate™

First, Sheeva.AI developed SheevaLocate™, a patented geolocation technology that pinpoints your vehicle location within two meters.

2

SheevaFence™

Next, they mapped millions of service points, including fuel pumps, parking spaces, and EV chargers across the U.S., Europe, Japan, and India, as part of their SheevaFence™ product. When you put those together, Sheeva.AI can tell exactly where you are and what fuel pump, charger, car park, toll gate, or retail outlet you’ve arrived at.

3

SheevaServ™

The third piece of the puzzle is SheevaServ™, an open API platform that communicates with and activates the hardware—whether it’s a gas pump, parking meter, or EV charger—and connects it to your car so you can order, operate, and pay for services via a simple tap on your infotainment system.

Visa Acceptance Solutions can make these in-vehicle payments seamless with Token Management Service from Cybersource

One integration with Visa Acceptance Solutions opens payments for Sheeva.AI across all its services and customers

No raw payment data is exposed. There is no issue with which party owns each transaction. And the in-car experience for the driver is incredibly frictionless. A one-touch confirmation on screen is all that’s needed to authorize a transaction.

The payments landscape is complicated especially when you cross as many geographies and retailer tech ecosystems as we do. We knew the payments process would become a challenge. Visa has the right solution for us to solve this challenge globally.

Evgeny Klochikhin, CEO and Founder, Sheeva.AI

For consumers: a game-changing way to pay as you travel

If you think of a future where cars are more autonomous, if not completely self-driving, or for when you have ‘downtime’ as your EV charges, this solution will be what makes your time in the car more effective and efficient.

Evgeny Klochikhin, CEO and Founder, Sheeva.AI

For merchants: a portal into customers’ lives

Sheeva.AI’s payments-agnostic platform allows merchants to connect service points to the in-vehicle commerce ecosystem quickly and easily.