Company: Silverflow
Co-Founders: Robert Kraal (Business Development), Anne Willem de Vries (CEO) and Paul Buying (CTO)
Website: https://www.silverflow.com/
About Silverflow
Silverflow is a cloud native payments infrastructure company modernising how global card payments are processed. The company exists to replace fragmented, legacy driven payment systems with a real-time, API first platform that makes global commerce faster, more transparent and more accessible.
Around 95 percent of global payment volumes still run on infrastructure that is more than 40 years old. These legacy systems were built for a different era of commerce and now create structural barriers for the modern economy. They are costly to maintain, difficult to upgrade and limit access to real-time data needed for optimisation, fraud prevention and performance improvement. As a result, financial institutions face slower innovation cycles, inconsistent cross-border payment experiences, higher operational risk and reduced ability to compete in a rapidly evolving digital economy.
Founded in 2019 in Amsterdam, Silverflow was created to solve these challenges by rethinking card payments infrastructure. The platform provides a cloud native, API first payments infrastructure that connects acquiring banks, payment companies and commerce platforms directly to card networks such as Visa and Mastercard.
Instead of requiring disruptive rip and replace migrations, it enables incremental modernisation by operating alongside existing legacy infrastructure, allowing institutions to improve performance, reduce complexity and unlock real-time data without operational disruption.
Built on modern MACH architecture (microservices, API first design, cloud native infrastructure and headless principles) and deployed on AWS, the platform delivers real-time authorisation, clearing and settlement at global scale. It processes millions of transactions daily with high availability and supports peak performance above 10000 transactions per second. This provides resilient infrastructure while unlocking full visibility of raw transaction data, enabling smarter routing, better fraud detection and more informed decision making.
The challenge Silverflow addresses is structural: global payments remain fragmented, opaque and constrained by systems that prioritise legacy connectivity over performance and data transparency. This limits financial inclusion, slows global expansion into new markets, and creates inefficiencies that impact merchants and consumers through higher costs and lower conversion rates. By removing these constraints, Silverflow helps create a more level playing field where innovation is driven by performance rather than infrastructure limitations.
The platform reduces fragmentation across the ecosystem and enables more consistent cross-border payment experiences. It supports Silverflow’s customers in scaling internationally, modernising gradually and delivering more reliable and data-driven payment services across markets.
More than 60 million euros has been invested into building the Silverflow platform. The company is headquartered in Amsterdam with offices in London, New York and Singapore. Customers include Deutsche Bank, PAYABL, Buckaroo, XPATE, Solidgate and Bolt across Europe, the United States and APAC, with a growing base of enterprise customers adopting the platform globally.
The platform enables acquiring banks, payment companies and commerce platforms to reduce time to market from months to weeks while improving resilience, performance and transparency.
By dismantling legacy constraints and rebuilding payments around real-time data, interoperability and open connectivity, Silverflow is helping reshape the global payments landscape into one that is more efficient, inclusive and fit for the demands of modern digital commerce.
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