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Credit Card Processing
Is your business in need of a credit card processing company? Let us take care of your payment processing needs.
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Compass Fleet & Merchant Services is a leader in the merchant services industry. Businesses open a merchant services account with us so that they can accept credit card payments at the point of sale and online. Our customers trust us to manage all aspects of their payment processing requirements, which may include: Credit, Debit, Fleet, EBT, Check Guarantee, Gift Cards, PCI compliance and reoccurring billing.
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We can also help drive Government (GSA), State and Local business to your automotive maintenance, repair or fuel site by facilitating the acceptance of the, "Wright Express Universal Fleet Card" (WEX). CFMS, is the "acquisition team" for WEX and has been facilitating fleet card acceptance since 1998. Our company guarantee is to, "lower your overall merchant service fees" when you add WEX to your existing or new service. Please contact us today to find out how your automotive related business can save money and prosper!

Click on the, "Wright Express" tab on our home page to find out who's accepting WEX in your zip code! When you accept WEX, your business name and address are listed on the WEX web site under, "accepting locations". This is the tool that all fleet managers and drivers use to find vendors.

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Compass Fleet & Merchant Services is a registered ISO with Chase Paymentech and Wells Fargo Bank, NA Walnut Creek, CA.
Copyright © 2011 Compass Fleet and Merchant Services- All Rights Reserved
Compass Fleet and Merchant Services Solutions, LLC Privacy Statement
Compass Fleet and Merchant Services Solutions, LLC is committed to safeguarding the privacy and security of the information we collect. This statement explains the policies we follow with respect to the handling of customer information collected by Compass Fleet and Merchant Services.
Commitment to Privacy and Security
Compass Fleet and Merchant Services Solutions, LLC and its operating entity Paymentech, LLC, and its affiliates, (collectively, "Compass Fleet and Merchant Services") are committed to safeguarding the privacy and security of the information we collect. This Privacy Statement explains the policies we follow with respect to the handling of customer information collected by Compass Fleet and Merchant Services.
Information We Collect
Compass Fleet and Merchant Services's customers, the customers of its affiliates, and the customers of other third-parties for which Compass Fleet and Merchant Services may provide outsourced or subcontracted processing services, ("Merchants") are businesses and other legal entities desiring to accept credit or debit cards or other payment methods, as payment for goods or services. Compass Fleet and Merchant Services does not have direct relationships with, or collect information directly from, individual consumers other than in their capacity as owners or operators of a commercial enterprise. Compass Fleet and Merchant Services does not provide services for consumer, personal, family or household purposes. The information we receive and collect is strictly related to our business customers and the payment transactions that we assist them in executing, as well as from prospective or potential business customers or website visitors who may be interested in learning more about our services ("Customer Data"). The transaction information we receive from our Merchants may include personal financial information about their customers or applicants (e.g., name, address, credit or debit card account numbers and expiration dates, etc.) who may be individual consumers and other cardholders ("Cardholder Data"). Compass Fleet and Merchant Services understands that such information is sensitive and takes appropriate steps to protect the confidentiality and security of all information collected by Compass Fleet and Merchant Services in accordance with this Privacy Statemen.
Customer Data and Cardholder Data
Use and disclosure of Customer Data collected by Compass Fleet and Merchant Services varies based on the information source and type, as set forth below:
1. Browsing the Website. When you browse Compass Fleet and Merchant Services's website, we may collect information regarding the domain and host from which you access the Internet, the Internet Protocol address of the computer or Internet Service Provider you are using, and anonymous site statistical data. In addition, we may collect information that you voluntarily provide us via online forms and questionnaires, including information you may provide about your business in order to apply to become a Merchant, or thereafter if you use any of our online Merchant services. Compass Fleet and Merchant Services's website is intended for commercial use only, and we collect, retain and use information about visitors to our websites only for specific business purposes, including: (i) to respond to requests for information about our products and services (see "Your Inquiries" below), (ii) to administer the website or improve site performance, (iii) to provide customer support (e.g., to allow a prospective Merchant to complete an online account application, to allow a Merchant to view and manage records, accounts and funds, or to help enhance our products and services); (iv) for security purposes and to combat fraud (e.g., to protect against unauthorized access to Compass Fleet and Merchant Services systems, or Merchant accounts and information), (v) to generate broad statistical and demographic information, and (vi) to comply with certain laws, regulations, and card association rules and regulations. In addition, when you link to Compass Fleet and Merchant Services's website from the website of any third-party advertiser, we may receive information about you from such third-party, including your contact information and information stored in "cookies" on such third-party's website. Please check the privacy policy of these websites concerning what information may be collected by the third-party and shared with Compass Fleet and Merchant Services. Such information is used by us only for the purposes set forth above with respect to information collected directly from you at our own website.
2. Your Inquiries When you complete and submit a form on our website, send us an e-mail, send us a fax, or contact us by telephone to solicit information about our services or the company in general, Compass Fleet and Merchant Services may store the inquiries and their contents. Information you submit via an inquiry is collected only with your knowledge and active participation, and may be used by Compass Fleet and Merchant Services to respond to your inquiries, to contact you, to inform you of services of Compass Fleet and Merchant Services or its partners that may be of use to you, and for similar business purposes. Information collected during the course of an inquiry will not be sold or otherwise disclosed to any third party; provided that such information may be shared internally with our affiliated entities for the business purposes set forth above.
3. Opening an Account or Using Compass Fleet and Merchant Services Services. When you submit an application to obtain a Merchant account and become a Merchant, you will be required to provide us with certain information about your business, and its owners and officers, which may also act as guarantors of the Merchant's obligations. Compass Fleet and Merchant Services may also obtain and store information about the Merchant, and its officers, owners and guarantors, from consumer reporting agencies, credit bureaus, relevant financial institutions, and other entities. Compass Fleet and Merchant Services may use, retain and disclose this information to (i) comply with any applicable federal legislation requiring Compass Fleet and Merchant Services to obtain, verify, and record information that identifies each entity with which it establishes a Merchant relationship, and (ii) evaluate your eligibility for a Merchant account, which may involve disclosure to consumer reporting agencies, commercial credit bureaus, and relevant financial institutions. Compass Fleet and Merchant Services may also use your information to contact you about other Compass Fleet and Merchant Services offerings and services. If you are, or become a Merchant, Compass Fleet and Merchant Services may disclose your information during the course of providing such services to card associations, banks and other financial institutions that are involved in the course of processing or screening the transaction, and to third parties that have contracted with Compass Fleet and Merchant Services to perform certain functions of our services on our behalf. In addition, Compass Fleet and Merchant Services may use, or disclose your information to third parties for the additional purposes of facilitating and completing merchant-initiated or authorized transactions, complying with federal, state and local laws, including credit reporting laws and card association rules, assisting in preventing fraud, or informing you about general company news, product updates and developments, card association rules, and industry trends, offering you products and services that may be of interest to you, or as otherwise may be permitted or required by applicable law.
4. Customers of Our Merchants. A customer who purchases a product or service from a Merchant using a credit or debit card, or any other method of payment for which we provide the Merchant with transaction processing services, is required to provide that Merchant with certain Cardholder Data in order to make the purchase, including the customer's name and credit card number. Our Merchants may transmit certain parts of this information to Compass Fleet and Merchant Services for the purpose of processing the transaction. During the course of providing processing services to our Merchants, we may disclose such Cardholder Data to banks, processors, credit and debit card organizations and associations, and other financial institutions that are involved in the course of effecting the transaction represented by the Cardholder Data. In addition, we may disclose some or all of the information we collect, to our affiliated companies or to non-affiliated third parties (subject to contractual confidentiality provisions to protect such information) such as a vendor or service company that we hire to prepare our Merchants' account statements or to provide support or services for one or more of our products. We will not disclose Cardholder Data to any third party, except to facilitate and complete transactions submitted to us by Merchants, or otherwise in the course of providing services to our Merchants, or to comply with federal, state and local laws or the rules and regulations of the respective card organizations or other payment entities (e.g. Visa, MasterCard, American Express, NACHA, etc.).
In addition, Compass Fleet and Merchant Services may share certain Customer Data (but not Cardholder Data) with its affiliated entities for marketing purposes and other business purposes.
Protection of Cardholder Data and Customer Data
Compass Fleet and Merchant Services has implemented various measures, including appropriate administrative, technical and physical safeguards, designed to ensure the security and confidentiality of Cardholder Data and Customer Data, protect against anticipated threats or hazards to the security or integrity of such information, and protect against unauthorized access to or use of such information. Such measures may include, among others, encryption, physical access security and other appropriate technologies. Compass Fleet and Merchant Services continually reviews and enhances its security systems, as necessary. Compass Fleet and Merchant Services is subject to the detailed rules and regulations of the various credit and debit card organizations and networks (i.e. VISA, MasterCard, American Express, NYCE, Star, etc.), relating to the security and safeguarding of Cardholder Data, including, but not limited to, the Payment Card Industry Data Security Standards ("PCI"), VISA Inc.'s Cardholder Information Security Program ("CISP") and MasterCard International's Site Data Protection Program ("SDP"). Compass Fleet and Merchant Services endeavors to comply with all such rules at all times. Pursuant to such rules and regulations, Compass Fleet and Merchant Services is required to undergo periodic third-party assessments and periodic network scans to ensure that, among other things, Compass Fleet and Merchant Services has installed and maintains a firewall configuration to protect data; does not use vendor-supplied defaults for system passwords and other security parameters; protects stored data; encrypts transmission of Cardholder Data and sensitive information across public networks; uses and regularly updates anti-virus software; develops and maintains secure systems and applications; restricts access to data to those with a business need-to-know; tracks and monitors all access to network resources and Cardholder Data; regularly tests security systems and processes; assigns a unique ID to each person with computer access; restricts physical access to Cardholder Data; and maintains a policy that addresses information security. Additional information regarding the requirements of VISA's CISP and Mastercard's Site Data Protection program (SDP) can be found on the VISA, Inc. and MasterCard International Web sites.
Responsibility of Merchants
Merchants are also required to comply with various rules and regulations of the various credit and debit card organizations and networks relating to the security and safeguarding Cardholder Data, including, but not limited to, PCI, CISP and SDP. Merchants may be required to undergo periodic third-party data security assessments and periodic network scans to ensure that appropriate security measures are in place.
Additional Internet Privacy Policies
Cookies. The Compass Fleet and Merchant Services website may create a small data file, or "cookie", on the hard drive of your computer in order to retain information that is used by our website. Compass Fleet and Merchant Services uses cookies for a number of purposes, including to:
  • Access your information when you "sign in", so that we can provide you with customized content in online areas such as Compass Fleet and Merchant Services Online.
  • Display the most appropriate banners to Compass Fleet and Merchant Services and third party offerings based on your activity while on Compass Fleet and Merchant Services's site.
  • Conduct research to improve Compass Fleet and Merchant Services content and services.
  • Require you to re-enter your Compass Fleet and Merchant Services password after a certain period of time has elapsed to protect you against others accidentally accessing your account contents or otherwise accessing your account contents without authorization.
Third-Party Web Sites. Compass Fleet and Merchant Services may create links to third-party Web sites. In addition, Compass Fleet and Merchant Services may authorize third-parties to create links to Compass Fleet and Merchant Services websites. Compass Fleet and Merchant Services is not responsible for the content or privacy practices employed by third-party Web sites. Nor does Compass Fleet and Merchant Services control or warrant the utility, merchantability or workmanship of the products or services offered at third-party Web sites.
Web Optimization. Compass Fleet and Merchant Services also may use cookies to track advertising leads and campaigns from banner advertisements, third party advertisement services and third party web optimization services. Compass Fleet and Merchant Services may hire third party companies to track and report performance of advertising and marketing campaigns to and from Compass Fleet and Merchant Services and third party web sites. These companies may also set cookies and use related technology, such as tracking pixels.
Tracking pixels (also known as action tags, web beacons, or transparent GIF files) and other similar tracking technologies may be used to collect and store information about user visits, such as the user's anonymous cookie ID, page visits and duration, and the specific ad or link(s) that the user clicked on to visit the site. No personally identifiable information is stored on these cookies or web pixels. This user activity information is reported to us in the aggregate and is anonymous. We use this information in the aggregate to understand, for example, the effectiveness of our advertising and marketing.
Children. Compass Fleet and Merchant Services does not solicit or knowingly accept information from persons under the age of eighteen (18). Our web sites are not designed with the intent to attract or encourage viewing by children.
Safe Harbor Participation for EU Cardholder Data. Compass Fleet and Merchant Services recognizes that the European Union ("EU") has an "omnibus" data protection regime established pursuant to the European Commission Data Protection Directive (95/46/EC) (the "Directive"). The Directive generally restricts the transfer of personally identifiable information about individuals in the EU to the United States, unless there is "adequate protection" for such information when it is received in the United States. In addition to processing transactions for its own Merchants based in the United States, Compass Fleet and Merchant Services provides processing services in the U.S. for its European affiliate, Compass Fleet and Merchant Services Europe Limited, and its European customers. To address the restrictions in the Directive, Paymentech, LLC in the United States ("CPL") adheres to the EU Safe Harbor Privacy Principles published by the US Department of Commerce ("Safe Harbor") with respect to Cardholder Data about Merchants' customers in the European Union that we receive in the United States ("EU Cardholder Data"). We act as a data processor on behalf of Merchants with respect to EU Cardholder Data, and accordingly follow each Merchants' instructions with regard to the collection, processing and protection of EU Cardholder Data. Our Merchants act as the data controller for any EU Cardholder Data. If any consumers in the EU have any questions about our handling of their EU Cardholder Data, such consumers should first contact the Merchant as this may be the most efficient means of addressing such issues. Consumers in the EU may also reach out to the CPL Safe Harbor Privacy Contact in the Legal Department at Compass Fleet and Merchant Services Solutions, 14221 Dallas Parkway, Dallas, Texas, 75254. Questions that are not otherwise resolved with the Merchant and/or CPL may also be directed to local EU data protection authorities.
Paymentech, LLC, complies with the U.S.-EU Safe Harbor Framework and the U.S.-Swiss Safe Harbor Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland. Paymentech, LLC, has certified that it adheres to the Safe Harbor Privacy Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement. To learn more about the Safe Harbor program, and to view Paymentech, LLC's certification, please visit http://www.export.gov/safeharbor/.
Modifications to Privacy Statement
We continue to review our policies and procedures to assure that they are effective in meeting our commitments to our Merchants. Compass Fleet and Merchant Services reserves the right to change this Privacy Statement without notice at any time and from time to time, including as needed to comply with the rules and regulations of the various debit and credit card organizations, or to comply with applicable local, state and federal laws and regulations.
Inquiries
If you have a question or comment regarding this Privacy Statement, please contact:
Compass Fleet and Merchant Services Solutions
Chief Compliance Officer
14221 Dallas Parkway
Dallas, Texas 75254
Compass Fleet and Merchant Services Solutions
Safe Harbor Privacy Contact
Legal Department
14221 Dallas Parkway
Dallas, Texas 75254
Terms of Use
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.
By using a Compass Fleet and Merchant Services site, you are deemed to have agreed to all terms, conditions, use, and notices contained or referenced herein (the "Terms of Use"). Compass Fleet and Merchant Services reserves its right, at its discretion, to update or revise these Terms of Use. You should check these terms of use periodically for changes. By accessing a Compass Fleet and Merchant Services site after the posting of any changes to the terms of use, you acknowledge and agree to those changes, whether or not you have reviewed them.
Scope of Use
These terms of use apply to your use of all of the sites and services owned or operated by Compass Fleet and Merchant Services, LLC, its operating entity Paymentch, LLC, and its affiliates (collectively referred to in these terms of use as "Compass Fleet and Merchant Services"). Unless we say otherwise, all references to the Compass Fleet and Merchant Services sites in these terms of use include all such sites. These terms of use do not apply to your use of unaffiliated sites to which any of the Compass Fleet and Merchant Services sites only links.
Restrictions on Use of Materials
The content of this site and any other Compass Fleet and Merchant Services site is protected by copyright and trademark laws, and is the property of Compass Fleet and Merchant Services. Materials located within Compass Fleet and Merchant Services sites may be accessed only for your business' use. You agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create works from such materials or content or in any way exploit the material or content of a Compass Fleet and Merchant Services site. This means, you may download copies of posted materials for business use only, so long as you neither change nor delete any author attribution, trademark, legend or copyright or other proprietary notices. When you download copyrighted material, you do not obtain any ownership rights in that material. As noted above, reproduction, copying, or redistribution of any material within a Compass Fleet and Merchant Services site is strictly prohibited without the express written permission of Compass Fleet and Merchant Services. You also may not, without Compass Fleet and Merchant Services's permission, "mirror" any materials contained within any Compass Fleet and Merchant Services site or any other service. Any unauthorized user of any material contained within any Compass Fleet and Merchant Services site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Products
The information, materials, products and services within Compass Fleet and Merchant Services websites are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products or services is subject to determination by and approval of Compass Fleet and Merchant Services and/or affiliated companies.
Links
These terms of use apply only to the Compass Fleet and Merchant Services sites, and not to the sites of any other companies or organizations, including those to which any of the Compass Fleet and Merchant Services sites may link. We are not responsible for the availability of any other site to which any of the Compass Fleet and Merchant Services sites link. We do not endorse or take responsibility for the content, advertising, products or other materials made available through any other site. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of, or reliance on, any content, goods or services available on any other site. You should direct any concerns to that site's administrator or web master. Permission must be granted by Compass Fleet and Merchant Services for any type of link to any Compass Fleet and Merchant Services site. To seek permission, submit your request in writing to: Web Marketing Manager, C/O Compass Fleet and Merchant Services, 14221 Dallas Parkway, Building Two, Dallas, TX 75254. We reserve the right, however, to rescind any permission granted by us and to require termination of any such link to any of the Compass Fleet and Merchant Services sites, in our sole discretion at any time.
Warranty
The services, products, information, materials, and functionality on any Compass Fleet and Merchant Services site are provided "AS IS" and without warranties of any kind, either express or implied, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus or other harmful components. Neither Compass Fleet and Merchant Services nor any of its affiliated companies warrant the accuracy, adequacy, completeness or timeliness of information, materials, products and services, or functionality on a Compass Fleet and Merchant Services site or the error free use of a Compass Fleet and Merchant Services site.
Neither Compass Fleet and Merchant Services nor any of its affiliated companies nor any of its or their respective licensors or suppliers warrant or make any representations regarding the use or the results of the use of the services, products, information, materials and functionality within a Compass Fleet and Merchant Services site in terms of correctness, accuracy, reliability or otherwise.
Compass Fleet and Merchant Services is not a party to, and does not monitor, any transaction between users and third party providers of products or services.
Limitations on Liability
We will, under no circumstances, be liable for any damages, losses, or liabilities including without limitation, direct or indirect, incidental or consequential damages, losses, or liabilities, in connection with your use of a Compass Fleet and Merchant Services site or your reliance on or use or inability to use the information, materials, products, services, or functionality on this site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Compass Fleet and Merchant Services is advised of the possibility of such damages, losses, or expenses.
Security
Compass Fleet and Merchant Services is committed to protecting the security of our users. At Compass Fleet and Merchant Services sites, we always use industry-standard security technologies when transferring and receiving Customer Data exchanged within our website. Please keep in mind, however, that no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, we cannot guarantee the security of any information you transmit using our website and you transmit such information at your own risk. Compass Fleet and Merchant Services further does not assume responsibility for use or disclosure of your information that are the result of unauthorized or illegal access to our systems or those of our vendors or partners.
Hyperlinks
Compass Fleet and Merchant Services is not responsible for the content of third party sites hyperlinked from this page, nor does it guarantee the products or services offered on third party sites. Your use of the hyperlinks is at your own risk. You should review the privacy statement of a web site before you provide personal or confidential information.
Applicable Law
Your use of this web site is governed by the State of Texas and applicable federal laws.
Your Acceptance of These Terms By using any of the Compass Fleet and Merchant Services sites, you acknowledge that you have read, understood, and agree to be bound by the Terms of Use. Please review the site's Terms of Use, and if you do not agree to the terms, do not use this site. Your continued use of any Compass Fleet and Merchant Services sites following the posting of changes to these terms will mean that you accept those changes.