← Embedded Finance Index 2026

Silverflow

“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?”

Founded2019
HQAmsterdam, Noord-Holland, Netherlands
Total raised$73.4M
Latest roundSeries B, March 2026
IndustryInfrastructure / Payments
The story

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.

Last 12 months
2026-03
Product timeline
2019
Silverflow founded in Amsterdam as a cloud-native card payment processing company with a direct API connection to card networks.· pivot
2026
Closed $40M Series B led by Picus Capital as the company approached one billion transactions processed annually.· banking
Regulated entities
5
regulatory licences held by Silverflow
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in Silverflow’s embedded-finance stack
Payments / PSP
Silverflow (self-operated)
Money movement
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.