“Can a cloud-native, direct-to-network processing platform become the new standard infrastructure layer replacing legacy card-acquiring technology for PSPs, acquirers, and payment facilitators globally?”
Founded in 2019 in Amsterdam, Silverflow set out to replace legacy card-acquiring infrastructure with a cloud-native, single-API platform connected directly to Visa and Mastercard. Rather than operating as a PSP or acquirer itself, Silverflow positioned itself as the technology layer underneath acquirers, PSPs, and payment facilitators — providing processing, tokenization, data enrichment, dispute management, and direct-to-card payouts via APIs. By 2026 it was approaching one billion transactions annually and raised a $40M Series B to accelerate global expansion.
Silverflow processes payments through Silverflow (self-operated). Disclosed money-movement rails: Visa Direct.
The Embedded Finance Index 2026 maps 2 layers in Silverflow's stack: Payments / PSP (Silverflow (self-operated)); Money movement (Visa Direct).
Silverflow is founded in 2019 and headquartered in Amsterdam, Noord-Holland, Netherlands.
Silverflow has raised $73.4M in total (latest round: Series B, March 2026).
Get a read on where your own stack stands against Silverflow and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.