Company

Twelve years. Three phases. Built the hard way.

We build the payment infrastructure that global players won't build and regional players can't practically build themselves.

Our Story

Birth → Build → Establishment.

A US start, an India rebuild, and a disciplined path to profitability. When India's 2017 demonetisation upended the ATM business, we saw the real gap — payment processing infrastructure — and rebuilt the company around it.

2012

EzSwype LLC founded in the USA (DBA RuPayment)

2014

India technology company founded; ATM-era roots

2017

Demonetisation reveals the big gap in payment processing

2020

CenterFirst launched — cloud-native acquiring stack

2024–25

Profitable and growing, with operating leverage proven

2026

US business build-out and expansion into new markets

Company & Structure

One platform, two continents.

Technology stays in India; the business scales from the US into the GCC, Africa, Europe and Southeast Asia.

USA · New York

EzSwype LLC

Established 2012 · DBA RuPayment

The US-domiciled holding company and brand — home to the US business and capital-markets team.

India · Chennai

CredoPay Technology Services

Established 2014

The technology and IP engine: the CenterFirst platform, R&D and delivery.

GCC · Muscat & Dubai

GCC Operations

Operating since 2023

Regulated operations in Oman and the UAE — the first in-country third-party processor in Oman.

Leadership

15 senior leaders across 5 countries — already deployed, already operating.

Capt. Siva Raja Sekhar Padala (Retd.) — Founder & CEO. Indian Army veteran with 18+ years in the Corps of Signals, the Army's technical arm, followed by senior management at ISS A/S in cash management. Electrical & Electronic Engineer and management graduate of the Great Lakes Institute. He pivoted the company through the 2017 demonetisation and rebuilt it as RuPayment — today CenterFirst runs across five countries.

Founders & Board

Capt. Siva R. S. Padala

Capt. Siva R. S. PadalaCo-Founder & CEO

Dore Swamy

Dore SwamyCo-Founder & Director

Dr. Shailesh Upreti

Dr. Shailesh UpretiInvestor Director

Bindia Bhagat

Bindia BhagatFounding Investor Director

Ramesh TR

Ramesh TRInvestor Director

Senior Leadership

Sudha Chandran

Sudha ChandranCOO, GCC

Pramoda Ganiga

Pramoda GanigaCOO, India & Intl

Steephan Selvaraj

Steephan SelvarajCPO, Business Platform

Ravi Katam

Ravi KatamCPO, Processing

Udhayanan L

Udhayanan LGroup Head · IT Infra

Neeraj Malhotra

Neeraj MalhotraGroup Head · Sales

Anita R Sheelvant

Anita R SheelvantGroup QA Head

Sabeer H

Sabeer HGroup PMO Head

Ponraj

PonrajGroup Finance Controller

PadmapriyaGroup HR Head

Governance & Compliance

Run to an institutional standard.

We hold ourselves to the discipline of the world's most regulated industry — in how we build, how we operate, and how we report.

Independent Oversight

A board of founders and independent investor directors across the US and India, with clear separation of governance and management.

Audit & Controls

Independently audited financial statements and institutional-grade internal controls across every operating entity.

Security & Certification

PCI DSS Level 1 Service Provider, ISO 9001 and ISO 27001 certified, CERT-In empanelled — recertified continuously, market by market.

Our Ethos

"What It Takes" isn't a slogan — it's how this company was built.

Regulatory-First

We earn certifications the slow way — direct, in-country, category by category — because that's what banks and central banks actually require.

Profitable Discipline

We grew to five countries on operating discipline, not burn — profitable, with operating leverage proven.

Built for the Long Term

Payment infrastructure is decade-scale work. We build platforms that evolve with regulation, not one-off projects that decay.

Work with a team that's already done it in five countries.

Banks, PSPs, fintechs and partners — we'd like to hear what you're building.