Silverflow and Hypergate Partner to Launch Cloud-Native Acquiring Solution for Financial Institutions

Silverflow and Hypergate have launched an integrated payment infrastructure solution to help acquirers and financial institutions bypass the limitations of legacy processing systems. By combining cloud-native processing with advanced gateway technology, the partnership aims to streamline merchant onboarding and improve transaction approval rates through a unified, API-first architecture designed for high-volume operations.

What was announced

The partnership integrates Silverflow’s cloud-native processing platform with Hypergate’s gateway technology to provide a full-lifecycle payment solution for payment service providers and modern banks. A key feature of the offering is Silverflow’s direct, single-API connection to card networks, which utilizes innovations like network tokenisation to increase first-payment approval rates by up to 8%. This direct connectivity is designed to provide greater data transparency than traditional legacy systems.

The joint solution automates the two-way synchronisation of merchant configurations, allowing organisations to configure Merchant Identification Numbers (MIDs) and terminals, set processing limits, and manage webhook notifications more efficiently. This automation is intended to significantly reduce the time required for merchant onboarding. The platform covers the entire payment lifecycle, including authorisations, recurring payments, partial captures, refunds, chargebacks, and detailed decline diagnostics, all accessible via a single interface.

On the compliance and security side, Hypergate provides PCI DSS Level 1 compliance and DORA-ready documentation, alongside platform stability backed by strict uptime SLAs. Its technology also includes configurable routing, cascading, and orchestration capabilities to help providers optimise transaction performance. Several institutions are already using the integrated stack, including Guru Pay, Fairmay, Finsei, and Exepay. These firms are leveraging the infrastructure to power their acquiring ecosystems, with Guru Pay specifically citing Silverflow’s reconciliation solutions and dispute management dashboard as critical operational tools.

"By combining Silverflow's cloud-native processing platform with Hypergate's gateway capabilities, we're giving payment providers a simpler, faster way to launch and scale. Instead of stitching together multiple technologies, customers benefit from an integrated cloud-native ecosystem that reduces complexity while giving them the flexibility and performance modern payments demand."

Robert Kraal, Co-founder of Silverflow.

The companies involved

Silverflow is an Amsterdam-based fintech that provides a modern, cloud-native card processing platform. Unlike traditional processors that often rely on decades-old technology stacks, Silverflow was built to provide direct access to card networks through a single API. This architecture allows for greater data transparency and faster implementation of network updates. The company has established itself as a significant player in the backend of the payment ecosystem, focusing on empowering acquirers and PSPs with better data and more efficient processing. Robert Kraal serves as a Founder at the company.

Hypergate is a payment gateway provider focused on removing technical barriers for payment businesses. The company offers advanced gateway technology that includes expert orchestration, cascading, and configurable routing to optimise transaction performance. As a PCI DSS Level 1 compliant provider, Hypergate emphasises platform stability and operational flexibility, with Mikhail Goryachkin serving as COO. Its focus on DORA-ready documentation highlights its alignment with the latest European regulatory requirements for digital operational resilience. Together, the two companies represent a shift toward modular, cloud-first infrastructure in the financial services sector.

What FF News has reported before

FF News has closely followed Silverflow’s expansion and its role in the shift toward data-driven processing. In September 2026, the company expanded its reach by announcing that Silverflow and Griner Expand Partnership to Accelerate European Payment Processing. This move followed another major technical milestone where Silverflow Integrates Discover and Diners Club to Boost Global Card Acceptance, broadening its network connectivity.

The demand for such integrated solutions was underscored by recent industry analysis. FF News reported on the Real-Time Data Gap: 1 in 3 Payments Leaders Struggle with Critical Visibility, a challenge that the Silverflow-Hypergate partnership specifically addresses through its unified interface. Additionally, one of the partnership's early adopters was recently featured when Finsei Launches Integrated Card Acquiring to Simplify Merchant Payment Ecosystems, demonstrating the practical application of this infrastructure in the market.

What this means

This partnership signals a deepening trend where the "plumbing" of the payments industry is being aggressively modernised. For years, acquirers have been tethered to legacy mainframes that make simple tasks like terminal configuration or data reconciliation a manual burden. By bundling a cloud-native processor with a sophisticated gateway, Silverflow and Hypergate are putting pressure on traditional, vertically integrated incumbents who struggle to match this level of API agility. The inclusion of DORA-ready documentation is particularly savvy; as European regulators tighten the screws on operational resilience, infrastructure providers that treat compliance as a built-in feature rather than an afterthought will likely see a competitive advantage. The question now is how quickly legacy providers can decouple their own stacks to compete.