Better Health for All

Corpay's core business involves providing payment automation solutions to healthcare providers, senior living communities, and hospitals.

While these services enhance financial management, reduce costs, and improve operational efficiency for healthcare entities, thereby indirectly allowing more resources for patient care, Corpay's principal goods and services are financial tools and do not directly provide health benefits or cause harm. The company's support for partners like CareCar, which serves high-risk populations, is an indirect contribution through its payment solutions, not a direct health service. Employee wellness programs, including mental health assistance, are considered internal initiatives and are explicitly excluded from the scope of the 'Better Health for All' value.

Fair Money & Economic Opportunity

Corpay was subject to a Federal Trade Commission lawsuit filed in 2019, which resulted in a ruling in favor of the FTC in 2022

and a permanent injunction in 2023. The company was found to have violated Section 5 of the Federal Trade Commission Act by engaging in deceptive billing and advertising practices, including falsely promising gas discounts and no transaction fees. The FTC estimated that Corpay caused $213 million in damages from unfair late fee billing and approximately $320 million in damages related to other unauthorized fees, often by automatically enrolling customers without their knowledge. Revenues from late fees and finance charges represented approximately 4% of consolidated revenue for the year ended December 31, 2024. Furthermore, the company's terms and conditions were described as dense, vague, and largely inaccessible, available only by mail for at least three years, with fees hidden on invoices. Corpay expects to retain all future earnings for use in operations, business expansion, and stock repurchases.

Fair Trade & Ethical Sourcing

Corpay Inc. is a global provider of payment products and services, indicating it does not procure physical commodities or materials that would typically be classified as high-risk inputs. The company has publicly committed to eliminating modern slavery within its supply chain, implementing policies for reporting offenses, assessing business risks, conducting due diligence, and training staff on modern slavery issues.

Sustainalytics assigned Corpay an ESG Risk Rating of 22.5 , noting room for improvement in supply chain transparency and ethical practices.

Honest & Fair Business

Corpay disclosed restatements of its financial statements for 2023, addressing errors related to cash balances and accounts, and indicating material weaknesses in internal control.

In June 2023, the company resolved a legal case with the FTC, implementing specific disclosure practices within its U.S. fuel card business, such as crediting customer payments on the receipt date and providing advance notice before introducing new fees. A derivative lawsuit was filed in January 2023, alleging executives breached fiduciary duties through unfair or deceptive marketing and billing practices, seeking approximately $118 million in monetary damages on behalf of the company. Corpay adopted a compensation recoupment (clawback) policy in 2023 for executive officers in the event of an accounting restatement due to material noncompliance. The company also maintains an insider trading policy applicable to all directors and employees, prohibiting hedging transactions. Furthermore, Corpay has a zero-tolerance approach to modern slavery and expects ethical conduct throughout its supply chain, as stated in its Modern Slavery Statement for 2023. In March 2024, the company expanded its ESG reporting strategy to capture and report audit-grade environmental data.

Kind to Animals

Corpay Inc. operates in the financial services sector, and its core business activities do not directly involve animals, animal products, or animal testing.

The company's operations are focused on financial transactions, meaning it has no animal-derived products, no in-house or contracted animal testing, no animal husbandry, and no animal-related suppliers. Consequently, policies, certifications, and sourcing related to animal welfare are not applicable to its direct business model. While Corpay implements environmental initiatives such as the Clean Advantage™ program, which has offset over two billion gallons of fuel, and the EcoPoint program, which has planted over nine million trees, these efforts are described as contributing to broader ecological health or aiding habitat restoration. However, the provided evidence does not include specific, measurable biodiversity or species recovery metrics required for positive scoring under the 'wildlife_conservation_impact' KPI.

No War, No Weapons

Corpay Inc. completed its divestiture from the Russian market on August 15, 2023, marking a complete exit from its Russian business.

This decision was made due to geopolitical tensions following Russia's invasion of Ukraine, reinforcing the company's commitment to ethical practices and distancing itself from war-related activities. Prior to the exit, Russian operations accounted for approximately 3.3% of consolidated net revenues for the year ended December 31, 2022, and $49.8 million of consolidated income before taxes for the six months ending June 30, 2023. The divestiture eliminated Corpay's exposure to a region involved in military conflicts.

Planet-Friendly Business

Corpay has implemented several initiatives to support environmental sustainability. Its North America Clean Advantage program has facilitated the offsetting of over 5.8 million metric tons of CO₂e from customer fuel consumption since 2015.

In Europe, the EcoPoint program has contributed to planting over nine million trees through partnerships. The company supports the transition to electric vehicles by offering payment solutions for alternative energy sources and developing a charging network of over 700,000 locations across nearly 30 countries, including the 'Chargepass' product. Corpay has enhanced its ESG reporting capabilities to meet new SEC climate-risk disclosure rules, which involves collecting audit-grade environmental data. Internally, the company has reduced data center energy use by 62% over five years and implements energy-saving technologies and recycling programs in its workplaces. Corpay is also registered with the UK's ESOS and complies with SECR regulations, assessing energy use efficiency opportunities.

Respect for Cultures & Communities

The provided articles detail Corpay Inc.'s internal commitment to diversity, equity, inclusion, and belonging (DEIB) within its workforce, noting that females constitute approximately 50-52% of the global workforce

, and ethnic minorities comprise 32-36% of the domestic workforce , . The company also has employee resource groups and regional councils . However, the articles explicitly state that there are no specific initiatives or concrete data points regarding formal partnerships with indigenous or local community groups, reinvestment in local community development, cultural impact assessments, cultural preservation efforts, or any other metrics directly related to external respect for cultures and communities.

Safe & Smart Tech

Corpay spent approximately $380 million in 2024 on technology, including protection and enhancement, which represents about 9.63% of its 2024 revenue.

The company has not reported any material data breaches since an unauthorized access incident in the second quarter of 2018. Corpay strives to maintain ISO 27001, SOC 1 and 2 Type 2 reports, and PCI DSS compliance, with its subsidiary Comdata Inc. being PCI DSS 3.2 compliant. A cybersecurity training program is required for all employees annually. The company maintains a risk management program and performs annual third-party risk assessments to protect against misuse of information technology, with no documented incidents of unauthorized data use. However, Corpay identified a material weakness in internal control over financial reporting related to ineffective information technology general controls (ITGCs) in user access management. The company is also involved in ongoing legal proceedings with the FTC regarding advertising and marketing practices and is required to comply with a U.S. District Court order.

Zero Waste & Sustainable Products

Corpay has implemented multiple waste reduction initiatives. These include promoting virtual cards to reduce plastic card waste

and offering digital solutions to reduce paper use . The transition to electronic payments has led to a 98% reduction in reissued checks across major programs by 2022 and saved taxpayers over $657 million in 2024 by reducing the cost of maintaining paper check infrastructure . Additionally, the company has implemented sustainable workplace initiatives such as motion sensor lighting and energy-efficient systems , and promotes sustainability through cloud computing and data center efficiency .