What Are Comcheks and How Do You Process Them?

by RoadSync | December 16, 2021| Blog Posts, payments, Comchecks

If you have any experience in the transportation industry, then you have undoubtedly encountered the phrase “Comchek.” Over time, drivers, carriers, and other logistics personnel have started referring to a wide array of paper payment instruments as Comcheks. 

However, a Comchek is a specific form of payment that is distinct from other solutions such as EFS checks

In order to clear up the confusion, we have created this crash course for Comcheks. Below, we discuss how to process Comcheks, why they are so popular in the trucking industry, and more.

What Is a Comchek?

Before we get into how you can process Comcheks, it’s important that we review what this unique payment instrument is in the first place.

A Comchek is a payment tool that is issued by COMDATA. They closely resemble traditional paper checks but have several labels that identify them as a Comchek. 

In addition, they have supplemental tracking numbers that are not present on standard checks. Comcheks also have a toll-free number printed on their front, which is used for processing purposes.

 

Express Codes vs. Comcheks

As the logistics and transportation industry becomes increasingly reliant on digital assets, paper checks are gradually being phased out. Top payment solution providers like COMDATA have deployed alternative options so that drivers do not have to carry printed Comcheks.

Comcheks have long contained 14 to 18 digit numbers known as “Express Codes.” In the past, Express Codes could only be used in conjunction with a printed Comchek. However, that is no longer the case.

COMDATA now allows carriers to issue drivers Express Codes without providing them with paper checks. The payee must still verify these codes, but they can be relayed to the driver digitally or via phone. This approach means that the driver no longer has to keep track of physical payment instruments.

 

How to Use Comcheks

Now that we have covered the basics let’s discuss how to use Comcheks.

In order to process Comcheks, the payee or recipient of the instrument must take it to a bank that accepts this form of payment. They can also take the Comchek to a major truck stop, such as Love’s or Pilot.

When the Comchek is being processed by a bank, the driver must contact COMDATA to obtain authorization for the unique Express Code printed on that check. If the driver or representative does not have the authorization code, then the check will bounce.

If you need to obtain funds using a Comchek at a truck stop, keep in mind that these businesses have cash back limits. Many national truck stop chains have a funding limit of $999.99. However, some businesses have much lower limits.

Comcheks can also be used to pay for work-related services or goods while a driver is out on the road. A few examples may include fuel, repairs, roadside assistance, or towing services. Comcheks are considered an extremely convenient payment method, which is why they are widely used throughout the transportation industry.

 

Advantages of Comchek Payments

There are many advantages to using Comcheks as compared to other payment methods. The most notable benefit is that Comcheks give drivers easy access to required funds without the risk of carrying large amounts of cash.

Carriers and logistics companies like using secure payment methods like Comcheks because it gives them total control over drivers’ spending habits. A driver must contact the company and have any Comchek-based transactions pre-authorized.

Another perk to using Comcheks is that COMDATA documents every transaction. Account-holders can easily access their COMDATA profile and review their transaction history. This capability is invaluable for financial auditing and tax preparation purposes. Fleetcor, a major provider of fuel cards, purchased COMDATA in 2016, so Comcheks are fully integrated to the freight financial ecosystem.

 

Potential Shortcomings of Comchek Payments

While there are plenty of benefits to Comcheks, there is also one major drawback. In order to verify a Comchek or Express Code, drivers must contact COMDATA. Even if the driver completes all steps correctly, this process can easily take in excess of 10 minutes.

Comcheks are frequently used to make after-hours payments to warehouse clerks, 24/7 repair shops, and other businesses that serve the transportation industry. The staff at these companies are often pressed for time. Payment delays caused by Comchek verification errors can put further strain on their teams.

To make matters worse, payment processing issues can prevent drivers from getting back on the road. This delay will hurt their bottom line while also negatively impacting the company that they are employed by.

 

RoadSync: A Better Way to Pay

Are you looking for a dynamic and user-friendly alternative to paper payment methods? If so, then RoadSync has the perfect solution.

Our innovative platform is designed for stress-free logistics payments. RoadSync Checkout eliminates tedious and time-consuming roadblocks that may delay payment processing. In addition, our platform gives you tools to create custom invoices, accept contactless payments, and much more.

Want to see our technology for yourself? If so, then we invite you to schedule a free demo!