Silverflow secures $40M to overhaul legacy payments stack
Amsterdam-based payments startup Silverflow, founded by former Adyen executives, has raised $40 million in new funding as it accelerates its bid to replace decades-old card processing infrastructure used by banks, payment service providers and large merchants.
The fresh capital will be used to expand engineering, scale international sales and deepen direct integrations with global card networks. By offering a modern, cloud-native platform, Silverflow aims to simplify how payment players connect to schemes such as Visa and Mastercard, while cutting costs and speeding up innovation.
Adyen alumni target the core of card processing
Founded by a team of Adyen alumni with deep experience in global acquiring, Silverflow is positioning itself as a next-generation alternative to legacy payment processing systems that are often built on mainframes and batch-based architectures.
The company provides a single API and a unified data model designed to give payment providers real-time access to rich transaction data. This architecture is intended to enable faster product launches, more granular fraud detection, and improved authorization performance for merchants operating at scale.
Cloud-native rails for a global payments ecosystem
Many banks and processors still rely on fragmented, on-premise technology that is costly to maintain and difficult to upgrade. Silverflow says its fully cloud-native platform can dramatically reduce the complexity of connecting to multiple schemes and markets, while supporting rapid regulatory updates and new payment features.
By abstracting away the legacy layers, the startup is pitching itself as critical infrastructure for the next wave of fintech innovation, enabling new entrants and established players alike to build differentiated services on top of modern payment rails.
The $40 million round underscores ongoing investor appetite for infrastructure-focused fintech plays, even as broader tech funding remains selective. With the backing and the pedigree of its founding team, Silverflow is emerging as a serious contender in the race to modernise the global payments backbone.