Silverflow

Silverflow is a cloud platform that gives PSPs and orchestrators direct connectivity to the Visa and Mastercard networks. It was founded in 2019 in Amsterdam, and the company says its founders came from Adyen.

What it does The pitch is to replace legacy processing hubs with a cloud JSON API. The listed products are a Direct Card Network Cloud API, 3DS2, Network Tokenization, Chargeback Automation and an ISO 8583 to JSON translation layer.

Who it is for Silverflow targets PSPs, payment orchestrators, PayFacs and acquiring banks that want to modernise card processing rather than build network links themselves.

Markets and commercial model The stated regions are Europe, the United Kingdom, the United States and APAC. Silverflow is sold as enterprise usage-based SaaS, so the unit price depends on the volume and scope agreed with the vendor.

A card-network-connected stack with tokenization and 3DS in the same API is the central argument for acquirers and orchestrators comparing processing infrastructure.