Central Payment

Cross-Border Payments and Foreign Exchangecpay.com

Central Payment, founded in 2005 and headquartered in San Rafael, California, operates the cpay.com digital payments platform for enterprise customers, delivering cross-border payments and currency risk management solutions as part of the TSYS / Corpay ecosystem.

Company typePrivate
Founded2005
HeadquartersSan Rafael, United States
Headcount51–100
GTM typeB2B
OfferingServices

What Central Payment does

Central Payment is a private fintech company founded in 2005 and headquartered in San Rafael, California, operating the cpay.com digital payments platform for enterprise customers with international operations. Its core offering centers on cross-border payments and currency risk management, addressing the operational complexity of managing international payment schedules and foreign exchange exposure. The product surface is anchored by the Central Station authenticated login portal at cpay.com/auth/login, which provides enterprise-level access to the underlying payments platform. The website footer explicitly attributes cpay.com to Total System Services, Inc. (TSYS) (© 2005-2026), and adjacent news sources reference the Corpay (NYSE:CPAY) cross-border brand in relation to FX partnerships and portfolio transactions, indicating that Central Payment functions within the TSYS / Corpay payments ecosystem rather than as a fully standalone entity.

The company employs 51-100 staff and reaches customers through a self-serve / PLG-style digital distribution channel targeted at enterprise buyers on a global basis. Pricing is not publicly disclosed, and no revenue figures, customer counts, or contracted ARR metrics are available in the provided sources. Capital-raising history includes a $70 million round in February 2017 (lead: Financial Technology Partners) and a $126 million round in April 2018, though the linkage of those raises directly to the Central Payment entity versus its parent is not clarified. Leadership comprises Trent Sorbe as President & Founder and Mandy Cooper as Executive Vice President & Chief Risk Officer, signaling a focus on risk-controlled cross-border service delivery.

From a business-model standpoint, monetization is inferred to flow from transaction-based fees on cross-border payments and margins on currency risk management services delivered through the digital platform, in line with standard payments-industry mechanics. Distribution is concentrated on the cpay.com web portal with enterprise-grade authentication, and customer segments are not segmented publicly. The relationship with TSYS and the Corpay-branded cross-border business positions Central Payment as a contained operating unit inside a larger payments stack rather than an independent high-growth fintech, which materially affects how its financials, risk profile, and exit optionality should be assessed.

Central Payment firmographics

Firmographics

Name: Central Payment
Website: https://cpay.com
Company type: Private
Founded year: 2005
Operating status: Operating
Headcount range: 51–100 employees
Short description: Central Payment, founded in 2005 and headquartered in San Rafael, California, operates the cpay.com digital payments platform for enterprise customers, delivering cross-border payments and currency risk management solutions as part of the TSYS / Corpay ecosystem.
Ownership category
akta.pro rank

Central Payment industry classification

Industry

Product category: Cross-Border Payments and Foreign Exchange
NAICS: Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
SIC: Finance Services (6199)
akta.pro primary industry: Cross-Border & FX Payments Platforms (BPAMAFAK)
akta.pro secondary industries: Card-Based Cross-Border Payments & FX Settlement (FSAMAIAD), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

Keywords

Cross-border payments
Currency risk management
Corporate foreign exchange
Global payments platform
International payment processing

Where Central Payment is headquartered

Location

Headquarters

HQ city: San Rafael
HQ country: United States
HQ region: North America

Markets served

Central Payment business model

Business model

GTM type: B2B
Offering type: Services
Cost components: Personnel, Technology or R&D, Operations, Marketing or Sales

Distribution channels1 record

Central Payment product offering

Product offering

Core offering

Central Payment provides cross-border payment processing and currency risk management solutions through its digital platform at cpay.com. The company enables businesses with international operations to execute global payments while managing FX exposure. The platform supports enterprise-level authentication via the Central Station Login portal and offers 24/7 customer care backed by competitive transaction pricing.

Differentiator

Problem solved

Functional benefit

Products and services

Central Station Login Platform Central Station Login is the authenticated access portal to the Central Payment digital platform, operated by Total System Services (TSYS). It enables enterprise clients to access cross-border payment processing and currency risk management services.
Cross-Border Payment Processing Service enabling businesses to execute payments across international borders, addressing the complexities of multi-currency transactions for organizations with global operations.
Currency Risk Management Solutions FX risk management offering designed to help enterprises manage currency exposure on international payment schedules and cross-border transactions. Used by organizations like LIV Golf to support their international operations.

Companies that use Central Payment

Customer profile

Ideal customer profiles1 record

Central Payment technology and API

Technology

Technology focussed Yes

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Central Payment partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

LIV GolfcoreStrategic or Co-development Partner · 11 February 2026Corpay Cross-Border extended its multi-year exclusive collaboration with LIV Golf as the League's Official Corporate Foreign Exchange Provider. Corpay will continue delivering currency risk management solutions and global payments platform services to support LIV Golf's international operations and expansion.

Recent moves5 records

Expansion highlights3 records

Central Payment competitors and assessment

Company assessment

Broad incumbents

Corpay Cross-Border: Corpay's cross-border division (NYSE:CPAY) provides currency risk management and global payments to corporates; this is the parent-aligned broader peer offering overlapping capabilities with Central Payment's Central Station platform.
Western Union: Western Union operates global consumer and B2B cross-border money movement with FX capabilities; a broader incumbent competing in adjacent corridors and customer segments.

Direct peers

Wise: Wise offers cross-border payments and multi-currency accounts to consumers and businesses; while more consumer-led, it competes directly for SMB and enterprise FX customers in overlapping corridors.
Convera: Convera (formerly Western Union Business Solutions) is a leading B2B cross-border payments and FX risk management provider for corporates and institutions, with a directly comparable product set.
Moneycorp: Moneycorp provides international payments, FX, and currency risk management solutions to businesses and private clients, overlapping closely with Central Payment's B2B cross-border and FX proposition.
OFX: OFX is a publicly-listed specialist in international payments and currency risk management for businesses and consumers, directly comparable to Central Payment's cross-border B2B payments and FX hedging focus.

Emerging players

Kantox: Kantox is a fintech specializing in FX risk management and currency management automation for mid-market companies, an emerging direct competitor in the enterprise FX hedging niche.
Revolut Business: Revolut Business offers multi-currency accounts and cross-border payments to SMBs and corporates; an emerging digital-first competitor progressively moving into Central Payment's mid-market territory.
Veem: Veem provides a global business-to-business payments network with built-in FX, competing for small and mid-market cross-border payment volume.
Nium: Nium is a global payments network offering cross-border payouts, multi-currency wallets, and FX, providing infrastructure comparable to Central Payment's cross-border rails.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Central Payment financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Central Payment leadership team

Management profile

Number of profiles

Profiles2 records

Central Payment funding detail

Funding detail

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Central Payment M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Central Payment

What does Central Payment do?

Is Central Payment a public or private company?

Central Payment is a private company. It is classified as corporate owned and is currently operating.

When was Central Payment founded?

Central Payment was founded in 2005. It employs 51 to 100 people.

Where is Central Payment based?

Central Payment is headquartered in San Rafael, United States, in the North America region.

Who are Central Payment's main competitors?

Broad incumbents on record are Corpay Cross-Border and Western Union. Direct peers are Wise, Convera, Moneycorp and OFX. Emerging players are Kantox, Revolut Business, Veem and Nium.

Does Central Payment have an API?

No public API is recorded for Central Payment.

What industry is Central Payment in?

Central Payment's product category is Cross-Border Payments and Foreign Exchange. Its primary akta.pro industry code is BPAMAFAK, Cross-Border & FX Payments Platforms, with a secondary code of FSAMAIAD, Card-Based Cross-Border Payments & FX Settlement. Its NAICS code is 522320 and its SIC code is 6199.