Methodologies, systems, and computer-readable media are provided for generating redeemable electronic fuel codes and validating fuel payments at a fuel point of sale terminal. An enterprise can be configured to receive an indication of fuel purchase request and can request authorization from a financial institution or account associated with at least one individual. If the payment is authorized, the enterprise can generate a purchase authorization for the amount of fuel requested and create an encrypted electronic fuel code that can be transmitted to the individual and used for redeeming fuel at a fuel point of sale terminal associated with the enterprise. An enterprise can be configured to sell fuel to at least one individual using a phone number and a unique security PIN at a fuel point of sale terminal, such that the at least one individual is billed for the fuel purchase via their phone service provider.