Silverflow

The infrastructure that moves card payments around the world is old, layered, and expensive. Traditional payment processors were built on mainframe architectures from the 1970s and 1980s, with abstraction layers added over time to adapt to modern requirements — but never redesigned from the ground up. The result is that banks and payment processors pay high operating costs, have limited visibility into transaction data, and struggle to adapt quickly to new market requirements. Silverflow was founded in Amsterdam to address this problem with a cloud-native approach: a card payment processing platform built on modern infrastructure that gives banks and processors granular transaction data, complete control over routing logic, and lower operating costs. The B2B model targets fintechs, PSPs, and banks that want to modernize their processing infrastructure without building everything from scratch. Silverflow connects directly to the main payment networks — Visa and Mastercard — eliminating intermediate layers that add cost and latency. A per-transaction fee plus a monthly minimum creates revenue proportional to managed volumes. The granularity of data that Silverflow returns to its clients is a key differentiator: in a market where routing decisions and cost optimization depend on the quality of transactional information, seeing every detail of every payment is a competitive advantage that legacy systems cannot offer.