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Making Financial Experiences Better!


Central Payments is focused on making financial experiences better for all, particularly serving people of modest means who historically have not enjoyed the benefits of affordable and accessible financial products.


Central Payments' Open*CP Fintech API Marketplace is one of the only true banking-as-a-service payments platforms and is the technology responsible for Central Payments' rise to the fastest growing card issuer since 2015.* 

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Technology | Charter | Choice

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The Central Organization

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  • Founded in 1950, family-owned since 1965

  • Certified Community Development Financial Institution (CDFI) since 1998

  • National reputation for excellence in serving low and distressed communities 

  • Received 10 allocations of New Markets Tax Credit (NMTC) since 2007, and through the program have donated over $2 million to deserving non-profits helping low income communities

  • Ample growth opportunity: 97th percentile among peer banks in ROAA, T1 Capital, ROE

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  • Established in 2014, wholly-owned subsidiary of CBKC

  • 3 office locations in Sioux Falls, SD & vicinity 

  • Staffed by subject matter experts throughout payments ecosystem

  • Fastest growing prepaid card issuer in U.S. since 2015*

  • 17th largest issuer of prepaid cards in 2020*

  • Formed Falls Fintech in 2019 

  • Launched Open*CP Fintech API Marketplace in 2020


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Falls Fintech is the only accelerator in the US brought to you by a market-leading, full-scale digital payments bank. 12 weeks of content rich material and elite contributors advancing go-to-market strategies and product development for early-stage financial technology startups. Finish out with a bank partnership and connectivity to Open*CP, a fintech API marketplace. 


Central Payments &
Falls Fintech Podcast

It’s a behind-the-scenes look at unique partnerships and ways to bridge the gap between banking, startups and the entire fintech industry.

Whether it’s a beer, coffee, or something else, there’s certain to be a brew in every episode...after all, how do we function in this space without it?

Follow our social channels or subscribe on Spotify or
Apple Podcasts to make sure you don't miss an episode!

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"Having worked with Trent and his team on a variety of products over the years, it comes as no surprise that Central Payments has made CBKC the fasted growing prepaid issuer in the country.  The industry and consumers are well-served by their data-driven approach and the expertise they have amassed."

-Dan Henry, Payments Innovator, Entrepreneur & CEO of Green Dot