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Silverflow provides a cloud-native payment processing platform, offering direct access to card networks. Its technology modernizes card transaction processing for the digital era, moving away from legacy systems. The platform delivers enhanced data and real-time insights, enabling payment service providers to operate with efficiency and transparency, addressing global card payment demands.
Founded in 2019 by Robert Kraal, Paul Buying, and Anne Willem De Vries, Silverflow emerged from recognizing existing payment infrastructure was outdated. The founders identified a critical gap for direct, transparent, and flexible connection to card schemes. Their collective experience informed the development of a solution bypassing traditional intermediaries.
Silverflow primarily serves payment service providers and financial institutions aiming to optimize payment operations. The company’s long-term vision is to establish a new standard in card payment processing, creating a future where payment data is immediate and actionable. It empowers customers with superior control and insight over transactions.
Silverflow has raised $76.0M across 4 funding rounds.
Silverflow has raised $76.0M in total across 4 funding rounds.
Silverflow builds a cloud-native card payment processing platform with a single API providing direct connection to card networks, delivering real-time insights, enriched data, and features like 3D-Secure, network tokenization, direct-to-card payouts, and a dispute management portal.[1][2][3] It serves payment service providers (PSPs), payment facilitators (payfacs), acquirers, and merchants, solving the problem of outdated legacy payment technology that causes fragmented functionality, slow rollouts, high complexity, and missed innovation opportunities by offering a modern, data-rich, easy-to-use alternative that reduces costs, improves compliance, and enables scalability.[1][3][4][5] The company demonstrates strong growth momentum, including a 2023 US market expansion with a New York office, rapid onboarding (days vs. months/years for legacy systems), and clients like Unifiedpost Payments, positioning it as a global player upgrading payments infrastructure.[5]
Silverflow was founded in 2019 in Amsterdam, Netherlands, by online payments industry veterans who identified the payments sector's reliance on ancient technology processing billions of card payments, leading to inefficiencies and stifled innovation.[2][5] The idea emerged from their experience seeing fragmented systems hinder progress; they aimed to bridge payments and modern technology with a cloud-based platform for simplicity, data richness, and future-proofing.[1][5] Early traction built through European impact, with clients gaining full data transparency for higher approval rates and uniform chargeback handling, setting the stage for global scaling like the 2023 US entry.[5]
Silverflow rides the cloud modernization wave in fintech payments, replacing 50-year-old legacy systems amid rising e-commerce, omnichannel demands, and regulatory pressures for data security and compliance.[1][4][5] Timing aligns with post-pandemic digital payment surges and US/EU market fragmentation, where providers need flexible, scalable tech to handle volume without downtime or penalties.[3][5] Favorable forces include card network innovations (e.g., tokenization) and merchant needs for tailored solutions beyond basic processing, boosting approval rates and margins.[2][3] It influences the ecosystem by empowering incumbents and fintechs alike—e.g., enabling PSPs to offer holistic services—accelerating industry-wide upgrades and reducing barriers for startups.[5]
Silverflow is poised for accelerated global expansion, building on US traction and European wins to capture share in a $2T+ payments market shifting to cloud-native stacks.[5] Trends like AI-driven fraud prevention, real-time payouts, and embedded finance will amplify its data-rich platform, potentially drawing more enterprise clients and partnerships.[3][8] Its influence may evolve from disruptor to standard-setter, as merchants demand frictionless tech; watch for deeper integrations with tokenization providers and profitability surges from fee optimization—reinforcing its mission to make payments as seamless as modern cloud services.[1][3]
Silverflow has raised $76.0M across 4 funding rounds. Most recently, it raised $40.0M Series B in March 2026.
Silverflow has raised $76.0M in total across 4 funding rounds.
Silverflow's investors include Florian Reichert, Coatue, Crane Venture Partners, Global Paytech Ventures, INKEF Capital, Floris Onvlee, Javier Perez, 99 Startups, ALLVP, Alpha4 ventures, Canaan Partners, FasterCapital.
