What Silverflow does

Silverflow B.V. is a cloud-native card payment processing technology company headquartered in Amsterdam, founded in 2019. It provides payment service providers (PSPs), payment facilitators (payfacs), acquirers, and large merchants with a single API for direct connectivity to the major card networks — Visa, Mastercard, American Express, Discover, Diners Club International, China UnionPay, and JCB — replacing legacy ISO 8583 mainframe messaging with modern JSON-based interfaces. Core platform features include 3D-Secure authentication, network tokenization, direct-to-card payouts, a dispute management portal, real-time enriched transaction data, and transaction-level fee reporting. The Terminal-to-Cloud API extends the platform by allowing payment terminals to connect directly to Silverflow's host, eliminating third-party gateway dependencies. Built on AWS Cloud WAN with Infrastructure-as-Code (GitLab CI/CD, AWS CloudFormation), the platform is PCI DSS, PCI PIN, SOC 2, and ISO 27001 certified, and holds Visa validated service provider status.

The company monetizes via transaction-based processing fees on volume routed through its infrastructure, with quote-based negotiated pricing for enterprise customers. It distributes through direct enterprise field sales (with a dedicated New York office for North America) and an acquirer partner network that allows partners to resell or embed the platform. Named customers include Deutsche Bank, Bolt, Buckaroo, Icepay, Banqup, Payabl., Paycom, Solidgate, Xpate, PaynoPain, TRX Services, and Financial House. As of mid-2026, Silverflow processes nearly 2 million transactions per day (~730 million annualized) and targets $100 billion in annual processed payment volume, supported by a workforce scaling from 85 to approximately 120 employees following a $40 million Series B led by Picus Capital.

The company has raised approximately $97 million across four equity rounds (2020 seed, 2021 Series A led by Coatue at $17M, 2023 round led by Global PayTech Ventures at €15M, and the 2026 Series B). Geographic footprint spans Europe (Netherlands HQ), North America (New York office), Southeast Asia, and APAC. Strategic partnerships include Aevi (payment orchestration, co-marketed at MPE 2026) and Fraudio (AI-driven fraud detection embedded in transaction processing). Compliance posture, direct card-network integrations, and enterprise-grade certifications position Silverflow as a modernization alternative to incumbent mainframe-based acquirer and processor infrastructure.

Name

Silverflow

Legal name

Silverflow B.V.

Website

https://silverflow.co

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Silverflow is a cloud-native card payment processing platform founded in 2019 in Amsterdam, providing PSPs, payment facilitators, acquirers, and merchants with a single API for direct connectivity to major card networks, replacing legacy ISO 8583 infrastructure with modern JSON-based interfaces.

Ownership category

akta.pro rank

Product category

Cloud-Native Payment Processing Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Payment Processing & Acquiring Infrastructure (FSAGABAC)

akta.pro secondary industries

Processor-Agnostic / White-Label Acquiring Platforms (Acquiring-as-a-Service) (FSAMABAI), Tokenization, Network Vaults & Credential Management (FSAGABAF), Payment Gateways & API Connectivity (FSAGABAB), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Cloud-native payments
• Card processing platform
• Payment API infrastructure
• Acquiring technology
• Payment service providers

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Card Payment Processing Fees: Revenue generated from processing card transactions for payment service providers, acquirers, and merchants. Likely usage/transaction-based pricing tied to transaction volume and value processed through the platform.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Silverflow provides a cloud-native card payment processing platform that connects payment service providers, payment facilitators, acquirers, and merchants directly to all major card networks through a single unified API. The platform replaces legacy ISO 8583 mainframe-based infrastructure with modern JSON-based interfaces, offering real-time enriched transaction data, 3D-Secure, network tokenization, direct-to-card payouts, dispute management, and automatic compliance updates.

Product overview

Silverflow offers a cloud-native card payment processing platform as its core offering, providing a single unified API that connects payment service providers, facilitators, acquirers, and merchants directly to major card networks. The platform is designed to replace legacy payment infrastructure and includes add-on modules such as the Terminal-to-Cloud API (enabling direct terminal-to-cloud connectivity without third-party gateways) and specific card network integrations for Discover Network and Diners Club International. Core platform features include 3D-Secure, network tokenization, direct-to-card payouts, and a dispute management portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Silverflow Cloud-Native Payment Processing Platform A cloud-native card payment processing platform offering a single API connection directly to all major card networks with real-time enriched transaction data, automatic updates, and core features including 3D-Secure, network tokenization, direct-to-card payouts, and dispute management portal. Built for payment service providers, payment facilitators, acquirers, and large merchants.
• Terminal-to-Cloud API A standalone product enabling payment terminals to connect directly to Silverflow's host platform, eliminating the need for third-party terminal gateways. Reduces costs, improves reliability, and eliminates gateway fees and additional PCI compliance audit obligations by removing legacy middleware from the transaction chain. Designed for fintech companies and acquirers without legacy gateway infrastructure.
• Discover Network and Diners Club International Integration An integration enabling merchants and payment service providers to accept Discover Network and Diners Club International payments through a single cloud-native API connection. Replaces traditional ISO 8583 messaging standards with modern JSON-based interfaces, reducing integration complexity and providing real-time transaction data. Particularly relevant for cross-border sectors including airlines, hotels, online travel agencies, and ride-hailing platforms.

Quantifiable outcome

• Transaction volume grew from ~180 transactions/day to ~1.75 million/day in approximately 2.5 years — a ~9,700x increase
• +3 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature9 records

Partnerships

Five partnerships are on record, tiered flagship and core.

• Discover NetworkflagshipTechnology or Integration · 16 June 2026Silverflow announced integration with Discover Network, enabling merchants and payment service providers to accept Discover-branded payments through a single cloud-native API connection. The integration replaces traditional ISO 8583 messaging standards with modern JSON-based interfaces, reducing integration complexity and providing real-time transaction data. The Discover Network connection is already live. The integration is particularly relevant for cross-border sectors including airlines, hotels, online travel agencies, and ride-hailing platforms.
• Diners Club InternationalflagshipTechnology or Integration · 16 June 2026Silverflow announced integration with Diners Club International, enabling merchants and payment service providers to accept Diners Club card payments through a single cloud-native API connection. This integration follows the Discover Network integration and replaces ISO 8583 standards with modern JSON-based interfaces. Diners Club International integration is planned to follow the Discover Network launch.
• Aevi (Terminal-to-Cloud)coreTechnology or Integration · 9 June 2026Silverflow's Terminal-to-Cloud API enables payment terminals to connect directly to Silverflow's host platform, eliminating the need for third-party terminal gateways. The partnership reduces costs, improves reliability, and eliminates gateway fees and additional PCI compliance audit obligations by removing legacy middleware from the transaction chain. Designed for fintech companies and acquirers without legacy gateway infrastructure.
• FraudiocoreTechnology or Integration · 3 June 2026Fraudio, an AI-driven fraud detection and transaction risk intelligence platform, is a core fraud and risk management partner integrated into Silverflow's live operations. Silverflow's co-founder Robert Kraal was appointed to Fraudio's Board of Directors as an independent director. Fraudio's AI fraud detection capabilities are embedded in Silverflow's real-time transaction processing to provide connected acquirers, PSPs, and processors with risk intelligence.
• AevicoreStrategic or Co-development Partner · 4 March 2026Silverflow and Aevi formed a strategic partnership to address the structural shift in payment infrastructure from monolithic end-to-end solutions toward modular, interoperable architectures. The partnership was highlighted at MPE 2026 where both companies discussed payment orchestration, the move to modular solutions, and the decline of legacy technology. The collaboration enables deep data sharing, transparency, and strategic co-positioning in the payment processing ecosystem.

Scale indicators9 records

Recent moves11 records

Expansion highlights6 records

Emerging players

• Payabl. European PSP/acquirer and existing Silverflow customer using the Silverflow API for card processing. Notable as both a customer reference and a comparable PSP-as-customer model in Silverflow's segmentation.

Direct peers

• Adyen: Global, cloud-native payment processor providing unified acquiring and processing across card networks and APMs. Silverflow's co-founder Robert Kraal was previously Adyen's COO, and both companies target the same PSP/acquirer/enterprise workloads with API-first infrastructure.
• Stripe: Cloud-native payments platform offering direct card processing and treasury/routing infrastructure for platforms and enterprises. Competes head-to-head with Silverflow for PSP and large-merchant workloads and shares the JSON-based API philosophy replacing ISO 8583.
• Checkout.com: Cloud-based payment processor with direct card-network connectivity and a single API for global acquiring. Highly comparable to Silverflow in customer segment (PSPs, platforms, large merchants) and in emphasizing real-time data and unified processing.
• Mollie: European PSP/payfac platform offering unified payment processing to merchants and platforms. Overlaps with Silverflow's PSP and Payfac segments and shares the focus on simplifying multi-network processing, though Mollie sits one layer closer to the merchant.
• NMI: Payment processing and gateway platform serving ISVs, ISOs, and PSPs with white-label acquiring infrastructure. Direct overlap with Silverflow's PSP/Payfac/Acquirer segments and its focus on network tokenization and modern APIs.

Broad incumbents

• Worldpay: One of the largest incumbent global acquirers/processors, modernizing around cloud and APIs while still carrying legacy mainframe infrastructure. Competes with Silverflow for the same PSP/acquirer workloads but offers a much broader portfolio including issuing and treasury.
• Fiserv: Global incumbent in merchant acquiring and payment processing (including First Data legacy assets). Competes with Silverflow for acquirer modernization RFPs and serves overlapping PSP/acquirer/merchant customers from a much broader product portfolio.
• Nexi: European payments incumbent providing acquiring, processing, and digital banking services across multiple geographies. Comparable to Silverflow for European PSP and acquirer workloads, though typically bundled with issuer and banking services.

Regional players

• Trust Payments: European-headquartered PSP/acquirer with strong UK and EU presence offering unified card processing. Comparable to Silverflow's PSP-customer profile and European focus, though Silverflow's cloud-native architecture is more differentiated.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/silverflow
• LinkedInlinkedin.com/company/silverflow

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds4 records

Investors6 records

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

M&A

Investments

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

Frequently asked questions about Silverflow