Comdata

What Comdata does

Comdata is a B2B payment and fleet management technology platform serving the North American trucking and commercial transportation industry, founded in 1969 and headquartered in Brentwood, Tennessee. The company is a wholly-owned subsidiary of Corpay Inc. (NYSE: CPAY, formerly FLEETCOR Technologies, rebranded in 2023) and operates as part of Corpay's North America Fleet segment alongside sister brand Fuelman. Comdata's core offering is a fleet fuel-card platform that combines proprietary truck-stop network acceptance (8,000+ locations including TA/Petro, Pilot, Love's, 7-Eleven/Speedway/Stripes) with universal Mastercard acceptance at 160,000+ retail fuel sites.

The product portfolio spans tiered fuel cards (Simple Saver, Smart Fleet, Total Advantage for SMB to enterprise; OnRoad, Connect Card, and Comdata Mastercard for OTR and mixed-fuel fleets), a standalone EV charging payment product (Chargepass), analytics tools (FleetAdvance, OneLook, Predictive Pricing), fraud prevention (Proximity, OneClick, Enhanced Authorization Controls), driver settlement (Comchek, DRIVEN FOR COMDATA mobile app), and adjacent services including permits/tax filing (IRS 2290, IFTA), tire discounts, CAT Scale payment, lumper pay eReceipts, QuickPay same-day shipper financing (powered by Crestmark), and National Tire Program. Underlying technology combines real-time transaction authorization, telematics/ELD data integrations (150+ partners), EV roaming via ChargeHub and Hubject, and connected-vehicle data capture via Motorq.

Comdata's revenue model blends transaction-based fuel card fees, recurring subscription fees ($8/card to $129/account per month by tier), usage-based fees for tax/permit services ($35–$175 by fleet size plus 2.8% transaction fee), and QuickPay factoring fees. Go-to-market is hybrid: self-service digital application for SMB tiers and dedicated direct sales with assigned account managers for the enterprise Total Advantage tier. The company serves over 30,000 businesses managing approximately $55 billion in annual fleet and corporate spending and delivers over $1 billion in claimed fuel savings annually. Named enterprise customers include UPS, Coca-Cola, Swift Transportation, U.S. Xpress, Prime Inc., Hirschbach, Landstar, Bennett, and Volkswagen Group of America; mid-market and SMB fleets make up the long tail.

Name

Comdata

Legal name

Comdata Inc.

Website

https://comdata.com

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Comdata is a 1969-founded North American B2B fleet payment technology platform, wholly-owned by Corpay (NYSE: CPAY), offering fuel cards, EV charging (Chargepass), analytics, fraud prevention, and tax/permit services to over 30,000 trucking businesses managing $55B in annual fleet spending.

Ownership category

akta.pro rank

Product category

Fleet Payment Solutions

NAICS

Credit Card Issuing (522210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Fuel Card & Fleet Payment Programs (TLABAMAA)

akta.pro secondary industries

Corporate Cards & Spend Controls (FSAGAJAF), Driver Expense Management & Reimbursement (T&E for Drivers) (TLABAMAF), Fleet Maintenance & Repair Spend Payments (Service Network Cards, Pay-at-the-Pump/Shop) (TLABAMAJ), Fleet & Commercial Vehicle Finance (FSAKADAE)

Keywords

• Fleet payment solutions
• Fuel card services
• Commercial fleet payments
• EV charging payments
• Fleet management technology

Headquarters

HQ city

Brentwood

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Fuel Card Transaction Fees: Revenue from processing fuel transactions at truck stops with negotiated discounts. Fleets pay invoice on terms with discounts applied at point of sale.
2. Monthly Account/Card Fees: Recurring subscription fees based on tier: $0 (Simple Saver), $8/card (Smart Fleet), $129/account (Total Advantage). Includes varying levels of fraud protection, analytics, and support.
3. Tax Filing Services: IRS 2290 and fuel tax filing services with tiered service fees from $35 (1-24 vehicles) to $175 (500+ vehicles) plus transaction fees.
4. Permit Services: Over 500 permit types across 48 US states and Canadian provinces including oversize/overweight, trip, and fuel permits with discount programs.
5. QuickPay Financing: Same-day shipper payment financing powered by Crestmark, enabling fleets to access delivery payments within 24 hours for a factoring fee.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Comdata provides B2B fleet payment solutions - primarily commercial fuel cards and EV charging payment cards - to trucking fleets and corporate fleet operators, paired with real-time transaction authorization, fuel fraud prevention (Proximity/OneClick), fleet analytics (FleetAdvance/OneLook/Predictive Pricing), driver fund disbursement (Comchek/OnRoad), permits, IFTA and IRS 2290 tax filing, and QuickPay shipper-payment financing. Cards are issued by Fifth Third Bank N.A. under a Mastercard license, accepted at 8,000+ truck stops and 160,000+ retail fuel locations, with management dashboards and APIs for fleet operators.

Product overview

Comdata is a fleet payment technology platform and subsidiary of Corpay (formerly FLEETCOR), offering fuel cards, payment solutions, and fleet management tools for the trucking industry. The core product portfolio includes fuel cards (Comdata Fleet Card, OnRoad Card, Mastercard, Connect Card, Chargepass for EV) paired with analytical tools (FleetAdvance, OneLook), fraud prevention (Proximity, OneClick), and cash/payment services (Comchek, CAT Scale, Lumper Pay). Additional services include permits/tax filing, tire programs, Predictive Pricing analytics, and QuickPay financing. The platform serves 30,000+ businesses managing $55B in annual fleet spending across 8,000+ truck stops.

Differentiator

Problem solved

Functional benefit

Brands

• DRIVEN FOR COMDATA: Mobile app for fleet card management, money transfers, and driver tools.
• FleetAdvance
• OneLook
• Comchek
• Chargepass
• OneClick
• Proximity
• Predictive Pricing
• Connect Card
• OnRoad Card
• Comdata Mastercard
• QuickPay

Products and services

• Comdata Simple Saver Fuel Card Entry-level B2B fuel card for fleets with 1-20 trucks offering up to 25¢/gallon diesel savings at TA/Petro and 8¢ at Pilot and Love's, with $0 monthly account fee, $0 truck-stop fee, custom card controls, real-time alerts, and detailed transaction reporting.
• Comdata Smart Fleet Fuel Card Mid-tier B2B fuel card for fleets with 21-80 trucks offering up to 25¢/gallon diesel savings at TA/Petro, 8¢ at Pilot/Love's and 4,000+ stations; OneClick smart controls and fraud prevention, FleetAdvance reporting, 10% permit discount, and 15% fuel tax discount, priced at $8 per card monthly.
• Comdata Total Advantage Fuel Card Premium B2B fuel card for enterprise fleets with 81+ trucks offering up to 40¢/gallon diesel savings at TA/Petro, 10¢ at Pilot, 8¢ at Love's and 4,000+ stations; complete analytics with FleetAdvance, OneLook and Predictive Pricing; OneClick advanced fraud prevention; assigned account manager; 15% permit and 20% fuel tax discounts; hotel discounts; priced at $129 per account monthly.
• Comdata Fleet Card (Small Fleets) Diesel card solution for local fleets under 50 trucks backed by the Comdata brand, network and savings, with broad truck-stop acceptance, Extra Mile Discount Program (prescription savings up to 80%, tire discounts up to 65%), $50 one-time setup and $5/month per active card, zero card transaction fees.
• Comdata OnRoad Card Dual-network B2B card for over-the-road fleets that consolidates fleet and driver funds onto a single card via Comdata Proprietary Network plus universal Mastercard acceptance, supporting payroll, driver settlement, Comcheks, ATM, peer-to-peer transfers, and the OnRoad mobile app; $0 truck-stop fee at 10M+ merchants.
• Comdata Mastercard (Dual-Network) Dual-network, single-card B2B payment solution for fuel, EV charging and maintenance purchasing with 160,000+ retail fuel locations, 400K+ maintenance locations, Comdata truck-stop network plus mobile fuel, and real-time exception alerts and universal purchasing controls.
• Comdata Connect Card Pay-as-you-go B2B fuel card that draws funds instantly from a linked credit or debit card at point of purchase with no credit check, allowing cardholders to capture fuel savings on the Comdata network and earn rewards from their underlying funding card.
• Comdata Chargepass EV Charging Solution B2B EV charging payment solution on Mastercard rails providing contactless tap-to-pay capability, Plug&Charge ISO 15118-2 authentication, and access to 160,000+ retail fuel locations plus the top 10 EV charging networks via ChargeHub PassportHub and Hubject eRoaming.
• Predictive Pricing B2B analytics product providing near-term fuel price forecasts by integrating Comdata proprietary data with OPIS wholesale pricing at the PADD level, enabling fleets to optimize fueling timing and procurement decisions; named case Prime, Inc. reports six figures in monthly savings.
• OneClick Fraud Protection B2B fraud-prevention product that lets drivers unlock Comdata fleet fuel cards via a single click from the mobile or in-cab interface only when ready to fuel, automatically re-locking the card after fueling to prevent unauthorized transactions and complement the Proximity location-based authorization suite.
• DRIVEN FOR COMDATA Mobile App B2B mobile application for drivers to manage OnRoad cards, transfer funds (peer-to-peer and Express Code balances), view transaction history, and access fraud controls.
• Comchek Funds Transfer B2B instant funds-transfer solution for drivers on the road, available in traditional paper, mobile Express Codes and digital delivery formats, used to settle driver payroll, advances and reimbursements.
• CAT Scale Payment Service B2B automated truck weight-scale payment service that integrates with CAT Scale locations for find, weigh, pay and drive-away functionality, reducing driver time at weigh stations.
• Digital Lumper Payment Solution (Lumper Pay eReceipts) B2B digital lumper payment and eReceipt solution that enables warehouse locations to accept Comdata-issued payment methods electronically without driver interaction, with auto email forwarding and TMS API integration for systematic eReceipt retrieval.
• Comdata Permits & Tax Services B2B online service providing 500+ permit types including oversize/overweight, trip, fuel, and IRP permits across 48 US states and Canadian provinces, plus IFTA fuel-tax filing services, fleet licensing, and pilot-car coordination.
• QuickPay Same-Day Shipper Payments B2B financing product that provides trucking fleets same-day access to shipper delivery payments within 24 hours (versus standard 30-day terms) for a factoring fee, powered by Crestmark/MetaBank.
• IRS Form 2290 Heavy Vehicle Use Tax Filing B2B IRS Form 2290 electronic filing service for heavy highway vehicle use tax with tiered service fees from $35 (1-24 vehicles) to $175 (500+ vehicles) plus a 2.8% transaction fee.
• National Tire Program B2B fleet tire discount program providing commercial pricing on new and retread tires from Goodyear and Bridgestone with hundreds of SKUs and discounts up to 65% off tires/retreads.
• Vehicle Location-Based Authorization (Enhanced Authorization Controls) B2B real-time authorization-controls platform that fuses GPS/ELD vehicle location, merchant location, tank-level and vehicle diagnostic data during fuel-card authorization to detect fraud (buddy fueling, skimming, fuel theft, over-fueling, card counterfeiting), backed by Comdata's No Fuel Fraud Guarantee.
• Comdata APIs (eReceipt TMS Pull / Plaid / Onfido / Telematics / OneClick) B2B set of APIs allowing fleet customers and partners to retrieve eReceipts (eReceipt TMS Pull API), verify bank accounts via Plaid during credit application, perform identity verification via Onfido (including facial scan), ingest telematics vehicle location and tank-level data for Proximity, and activate OneClick fraud controls programmatically.

Quantifiable outcome

• Up to 40¢ per gallon diesel savings at TA/Petro, up to 8¢ at Love's, up to 10¢ at Pilot
• +4 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability4 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered major and core.

• 7-ElevenmajorStrategic or Co-development Partner · 24 September 20247-Eleven, Speedway, and Stripes joined Comdata's Fuel Consortium. First to provide universal fuel card functionality with cost-plus savings on both gas and diesel at 7,500+ locations nationwide.
• HubjectcoreTechnology or Integration · 11 June 2024eMobility roaming partnership providing Plug&Charge capabilities following ISO 15118-2 standard. Enables secure, streamlined EV charging authentication without app or terminal methods, with added fraud prevention.
• ChargeHubcoreTechnology or Integration · 6 February 2024North America's largest EV roaming hub partnership enabling seamless activation and payment on 80,000+ charging stations. Comdata's Chargepass now provides access to 20+ charging networks via ChargeHub's PassportHub roaming solution.
• Exxon MobilcoreChannel Partner/ Reseller/ Distributor · 7 September 2022Network agreement providing Fuelman acceptance at 12,000+ Exxon and Mobil stations. Comdata trucking cards added to commercial fueling locations in 2023, extending product utility for fleet customers.
• Volkswagen Group of AmericamajorStrategic or Co-development Partner · 8 July 2022Three-year partnership for EV-enabled Comdata Mastercard deployment. Solution addresses needs of VWGoA's electric and hybrid fleets with broad charging network and Motorq-powered data capture.
• U.S. XpressmajorStrategic or Co-development Partner · 22 April 2022OnRoad program implementation for U.S. Xpress to accommodate and facilitate both company and driver purchases. Provides universal Mastercard acceptance with Comdata's proprietary network controls.
• OMNIA PartnerscoreChannel Partner/ Reseller/ Distributor · 15 April 2022Public sector purchasing cooperative renewal. Enables government agencies to purchase Comdata Mastercard and Fuelman fleet card solutions through OMNIA's cooperative contracts.
• MotorqcoreTechnology or Integration · 5 April 2022Connected-car data and analytics partnership enabling capture of EV charging event data directly from vehicles. Powers Comdata's 'Charge Anywhere' solution for tracking home and public charging reimbursements, removing barriers to EV fleet adoption.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• AtoB: AtoB is a fintech fleet payments startup offering fuel cards and fleet expense management with a focus on trucking. It targets similar SMB trucking customers as Comdata and represents an emerging competitive threat.
• Fleetio: Fleetio is a fleet management SaaS platform that has expanded into fuel cards and fleet payments for SMB and mid-market customers. It represents a newer digital-first competitor that overlaps with Comdata's Simple Saver and Smart Fleet tiers.
• Coast (formerly FuelMe): Coast is a fleet payments and fuel card fintech targeting commercial fleets with a digital-first product. It overlaps with Comdata's SMB tiers and represents a newer fintech entrant challenging traditional fuel card economics.

Broad incumbents

• Fuelman: Fuelman is Comdata's sister brand under Corpay (formerly FLEETCOR), focused on local and small-fleet fuel cards. It competes with Comdata in the SMB segment while offering a simpler product set, making it a direct sibling rather than a fully independent peer.
• Mastercard Fleet: Mastercard offers its own fleet payment solutions and powers Comdata's Mastercard products. As a network and emerging fleet product owner, it represents both a partner and a broad incumbent competitor in the B2B fleet payments space.

Direct peers

• WEX Inc. WEX is the largest dedicated fleet payment solutions provider in North America, offering fleet fuel cards, corporate payments, and travel solutions. It directly competes with Comdata across trucking and corporate fleet segments with overlapping products and customer bases.
• U.S. Bank Voyager Fleet: U.S. Bank's Voyager Fleet card is a direct competitor in the commercial fleet fuel card market, serving enterprise and mid-market fleets with universal acceptance and is one of the larger branded fleet card programs alongside WEX and Comdata.

Others

• Samsara: Samsara is a fleet operations and IoT platform with telematics that integrate with Comdata's payment authorization controls. It serves overlapping enterprise fleet customers and represents an adjacent ecosystem participant in fleet technology.
• Geotab: Geotab is a leading fleet telematics and IoT platform that integrates with Comdata's Proximity fraud prevention via vehicle GPS data. It is an ecosystem partner and adjacent technology provider rather than a direct competitor in payments.

Regional players

• Pilot Travel Centers: Pilot Flying J is one of the largest truck stop chains in North America and a Comdata Fuel Consortium partner. As both a customer and network partner, it represents a strategic relationship that is partially competitive and partially cooperative in fleet fuel retail.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/comdatacorp
• YouTubeyoutube.com/user/ComdataCorp
• Facebookfacebook.com/Comdata
• LinkedInlinkedin.com/company/comdata

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Comdata