Build Your Prepaid Program Faster
Launch your fully branded General Purpose Reloadable (GPR) prepaid card program without the typical delays, complexity, or overhead.
Central Payments gives you a faster path to market with everything you need already in place. As your trusted program manager, we handle compliance, operations, and risk so you can stay focused on your business and your customers.
Go live, learn, and scale what works.
Gig Workers
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Give workers access to their earnings as soon as a job is done. No waiting on traditional pay cycles or delayed transfers.
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Workers use their earnings as soon as they’re paid, without waiting or moving funds between accounts.
Service Businesses
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Pay employees or contractors as work is completed, without waiting on payroll cycles or manual processes.
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Give teams access to funds for materials, tools, and expenses, with clear visibility and control over how money is used.
Creators & Sellers
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Give creators access to their earnings as soon as a sale is made, without waiting on payout schedules.
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Let creators use their earnings right away for tools, content, and promotion, without moving money between accounts.
Everyday Spending
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Provide simple, secure access to funds for daily spending, whether it’s groceries, bills, or other routine expenses.
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Give users an easy way to track spending, stay on budget, and manage their money in one place.
Built for how you Actually operate
Not theory. Real use cases.
What This means for you
Move faster. Get a card program live without building infrastructure from scratch. Virtual cards, wallet integrations, and program management are already in place so you can plug in and go.
Built for your product. This isn’t just card issuing. It’s embedded finance that fits naturally into your experience, from payroll to payouts to everyday spend.
Scale on your terms. Test, learn, and grow without having to overcommit upfront or rely entirely on interchange.
We handle the backend. Compliance, fraud, API Integration, settlement, and reporting are already covered so you can focus on what your users care about.
How it Works
1
Tell us what you’re problem you’re trying to solve. We’ll align on your use case, users, and goals.
connect
2
Launch
We’ll handle program setup, compliance, and integrations so you can get to market quickly with a fully branded card experience.
3
Scale
Optimize, expand, and grow your program with our infrastructure already in place to support you as demand increases.
What You Get
A fully managed, white label GPR card program you can launch.
Core Capabilities
We architect, build and fully administer your card program.
Instant virtual card issuing
Your brand front and center
Complete program management, from setup and compliance to day‑to‑day operations
Apple Pay and Google Pay ready
API first integration through OpenCP
Simple Pricing Model
Program implementation fees and an ongoing platform fee removes initial investment and scalability costs.
Flexible Funding Built In
Give your users options without extra complexity:
Direct deposit and ACH
Bank to card transfers
Card to card transfers
POS with cash back
Best In Class Product
Central Payments combines infrastructure, regulatory expertise, security, and day-to-day operations into one seamless model.
SOC 1 and SOC 2 compliant
PCI DSS certification