SIOUX FALLS, SD – (May 8, 2023) – Central Payments, architect of the award-winning Open*CP Fintech API MarketplaceSM and leading Banking-as-a-Service (BaaS) provider, announces it has entered into a strategic partnership with Advantage Payment Services (APS), the leader in regulatory technology for top fintech payments organizations, to embed their next generation dispute management solution directly into the Open*CP payments ecosystem.

“As we continue to scale following our capital raise, it is imperative to continue to revolutionize the fintech payments space with our ever-expanding suite of services that are directly embedded into our Open*CP Fintech API Marketplace,” said Eric Cotton, Executive Vice President and General Manager at Central Payments. “Partnering with APS gives our customers access to robust, agile, regulatory compliant dispute case management, assisting in reduction of fraud loss. Plus, it’s a bonus that the APS team is full of fantastic people to work with.”

Central Payments previously announced a $30 million growth equity raise to further accelerate its rapid growth trajectory. Proceeds from the raise are being used to facilitate strategic growth initiatives such as additional investments in technology and product.

“APS’ Dispute Advantage was designed for the complex regulatory needs of fintech payment organizations and financial institutions,” said Dave Campbell, CEO and Founder of APS, “together with Central Payments, we have created an innovative solution which meets the ever-evolving needs of the industry.”

Dispute Advantage is part of APS’ Advantage Solutions; a configurable cloud-based suite of applications which supports regulatory compliance throughout the account lifecycle. Advantage Solutions suite of applications includes identity verification, OFAC monitoring, dispute management, transaction risk monitoring & case management, and centralized digital document management.


About Central Payments

Central Payments is Making Financial Experiences Better® by providing payments technology and issuing solutions for fintech and embedded finance businesses. The company’s Open*CP API MarketplaceSM is a leading Banking-as-a-Service payments platform built by fintech bankers. Open*CP’s vertical integration and its native-to-the cloud technology are the drivers responsible for the rise to the fastest growing prepaid card issuer*. The company also operates Falls Fintech, its startup fintech accelerator and produces Fintech Brews, a podcast devoted to helping bridge the gap between banking, startups, and the entire fintech industry. Visit and for more information.

* Source: The Nilson Report, 2015 to 2020.


About Advantage Payment Services

Advantage Payment Services (APS) is the leader in regulatory technology for banking, payments, and FinTech brands. APS built a highly configurable, secure, cloud-based platform that integrates identity verification, dispute case management, transaction risk monitoring, and digital document management seamlessly into existing business processes, enabling clients to scale these critical functions as they grow. APS is privately held by members of the Campbell family in Fargo, North Dakota. The Campbells have a history of building and growing financial services support companies for over 30 years. Their first venture, Advantage Credit Bureau, was formed in 1992 and remains a thriving business today. Learn more about APS at

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