There are different levels of cards. The original were just a Value card and still required payment via a reg credit card. The newer cards are a credit card of sorts and depending on how you set it up changes the discounts and limits. Our is tied into a travel checking account (used for our travels) so we have a $2000 or $2500 limit, get 8 cents off the cash price, starts the truck pump, but yes no receipt unless you want to go inside, I keep track of stops and price and compare to the bill when received, so upon completion of fueling, hang up the handle and we're on our way.