Silverflow provides a cloud-based card payment processing platform offering direct connectivity to card networks via APIs. This platform delivers real-time insights through enriched data sources and automates updates for features like 3D-Secure and network tokenization. Clients benefit from improved conversion rates, reduced interchange fees, and optimized profitability through detailed transaction data and compliance management.
Funding
$16.3M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
GPFounders
Product
Problem
Legacy card processing stacks rely on on‑premise middleware, multiple point‑to‑point integrations, and manual scheme updates, which create high onboarding latency, limited access to transaction‑level data, and difficulty maintaining compliance with evolving network rules. These constraints increase operational costs and reduce conversion rates for payment service providers, facilitators, acquirers, and merchants.
Solution
Silverflow delivers a cloud‑native, API‑first card processing platform that connects directly to Visa, Mastercard, Amex and other networks via a dedicated BIN, eliminating the need for legacy middleware. The platform streams real‑time transaction data and enriched analytics, enabling clients to monitor performance, optimize interchange fees, and automate compliance with the latest scheme bulletins. Built‑in capabilities such as 3D‑Secure, network tokenization, direct‑to‑card payouts, and a dispute‑management portal are exposed through RESTful endpoints, allowing rapid integration across e‑commerce, POS, and mobile channels. Automatic feature updates keep clients aligned with emerging payment innovations without additional development effort. The service provides granular, transaction‑level fee reporting and predictive cost estimates, helping partners improve conversion, margin, and risk management.
Target Audience
The platform is designed for payment service providers, payment facilitators, acquiring banks, and merchants seeking a unified, cloud‑based card processing solution that reduces integration effort and improves profitability.
Features
- API‑first integration model with dedicated BIN provisioning for direct network connectivity
- Real‑time transaction streaming and enriched data feeds for instant analytics and reporting
- Built‑in 3D‑Secure 2.0 and network tokenization supporting recurring and card‑on‑file use cases
- Direct‑to‑card payout engine for instant disbursements to end‑users or partners
- Dispute‑management portal with automated chargeback workflows and status tracking
- Transaction‑level fee breakdown and dynamic interchange optimization tools
- Continuous compliance engine that auto‑updates scheme rules and security standards (e.g., PSD2, SCA)
- Scalable cloud architecture with multi‑channel support (e‑commerce, POS, SoftPOS, mobile SDKs)