Silverflow

Silverflow is a cloud-native card payment processing company founded in 2019 and headquartered in Amsterdam, Netherlands. It was built to replace the legacy, layered processing stacks that acquiring banks and payment service providers still depend on to authorize and settle card transactions.

The platform connects directly to card networks such as Visa and Mastercard through a single API, covering acquiring and issuing processing, 3-D Secure authentication, network tokenization, direct-to-card payouts and a dispute management portal. Customers include payment service providers, payment facilitators, acquiring banks and commerce platforms such as Buckaroo, Solidgate and ING.

1. Direct network connectivity: Single API access to Visa and Mastercard for acquiring and issuing processing.

2. 3-D Secure: Built-in authentication flow for card-not-present transactions.

3. Network tokenization: Token issuance and lifecycle management for stored card credentials.

4. Direct-to-card payouts: Real-time disbursement of funds straight to cardholders.

5. Dispute management: Portal for handling chargebacks and representment cases.

6. Transaction reporting: Fee and transaction-level reporting in real time.