Comcheck vs EFS: Which is Better?
Two express check systems, one goal: get you cash on the road. Compare fees, truck stop acceptance, and features to find which works best for you.
O TruckingComcheck vs EFS: Which is Better for Truckers?
Quick Answer
Comcheck wins for most truckers due to larger acceptance network (Pilot/Flying J, Love's), better lumper fee acceptance, and more broker usage.EFS is better if you primarily use TA/Petro stops or want slightly lower cashing fees. Most carriers accept whichever their broker provides.
Side-by-Side Comparison
| Feature | Comcheck | EFS |
|---|---|---|
| Parent Company | Comdata (Fleetcor) | WEX Inc. |
| Primary Use | Express codes for cash/fuel | Fuel cards + express codes |
| Best Acceptance | Pilot/Flying J, Love's, TA | TA/Petro, many independents |
| Express Code Fee | $3-15 depending on amount | $3-12 depending on amount |
| Fuel Card Discounts | Up to $0.10/gallon | Up to $0.08/gallon |
| Network Size | 15,000+ locations | 13,000+ locations |
| Lumper Fee Payments | Excellent - widely accepted | Good - some limitations |
| Mobile App | Comdata Fleetcor app | EFS Fleet app |
Pros & Cons
Comcheck
Pros
- Largest acceptance network (15,000+ locations)
- Best for Pilot/Flying J and Love's
- Excellent lumper fee acceptance
- Better fuel discounts (up to $0.10/gal)
- More brokers use Comcheck
- Faster code generation
Cons
- Higher fees at some locations
- Limited at some independent stops
- Customer service can be slow
- Some outdated technology
EFS
Pros
- Lower cashing fees at many locations
- Strong at TA/Petro locations
- Good fleet management tools
- Better fraud protection
- Solid mobile app
- Good for fuel-only operations
Cons
- Smaller network than Comcheck
- Less universal lumper acceptance
- Fewer brokers use EFS
- Limited at Pilot/Flying J
Truck Stop Acceptance
| Truck Stop | Comcheck | EFS |
|---|---|---|
| Pilot/Flying J | Excellent | Good |
| Love's | Excellent | Good |
| TA/Petro | Good | Excellent |
| Sapp Bros. | Good | Good |
| Ambest | Good | Good |
| QuikTrip | Limited | Limited |
Which Should You Use?
Use Comcheck If:
- • You primarily use Pilot/Flying J or Love's
- • You need lumper fee payments frequently
- • Your broker already uses Comdata
- • You want the widest possible acceptance
- • You value fuel discounts at major chains
Use EFS If:
- • You primarily use TA/Petro stops
- • Lower cashing fees are important to you
- • Your broker already uses WEX/EFS
- • You want better fraud protection
- • You run a fleet needing management tools
Best Approach: Accept Both
Most carriers accept whichever system their broker uses. You don't choose— your broker does. The good news: both systems work at most major truck stops. Knowing how each works means you're always prepared.
Need Fuel Advances or Lumper Coverage?
Our dispatch service includes Comcheck and EFS support. We send fuel advances and cover lumper fees so you're never stuck on the road.