Ximedes and Silverflow Partner to Launch Unified Cloud-Native Payment Ecosystem for PSPs

Ximedes and Silverflow have formed a partnership to provide Payment Service Providers (PSPs) with an end-to-end, cloud-native infrastructure that integrates onboarding, processing, and dispute management. For fintech professionals, this collaboration addresses the critical need for rapid deployment and transparent cost management, allowing players to launch modernized platforms in weeks rather than months.

What was announced

The collaboration combines Ximedes’ bespoke software development expertise with Silverflow’s cloud-native card payment processing platform. The resulting unified ecosystem is designed specifically for PSPs, offering a suite of tools that includes B2B onboarding with automated KYC and UBO checks, virtual accounting systems, and API-driven legacy system integration. The approach focuses on building software that remains easy to maintain while supporting future scalability through state-of-the-art cloud technology.

Silverflow contributes its direct network connections and advanced processing features, such as 3D-Secure and network tokenisation. The platform provides real-time insights into interchange fees per transaction, a feature aimed at improving financial transparency for acquirers. Additionally, the system includes a dedicated portal to simplify dispute management. According to the performance data, clients using these processing tools have consistently seen authorisation rates reaching up to 95%.

A primary focus of the partnership is speed to market. By utilising Silverflow’s cloud technology and Ximedes’ hosting and management services, the companies claim that PSPs can significantly reduce development cycles. The integration is built to support both new market entrants seeking rapid dominance and established financial institutions looking to modernise aging infrastructure. The joint solution aims to move the typical development timeline for payment platforms from several months to just a few weeks for a full launch.

The companies involved

Ximedes, a subsidiary of XMDS, has established itself as a specialist in tailored software for the payments and financial services industry. The firm focuses on building and managing bespoke solutions that range from Payment Service Provider platforms to complex API integrations, ensuring that legacy systems can scale alongside modern requirements. Their expertise lies in creating software that addresses the specific compliance and operational needs of financial institutions and their clients.

Silverflow is a cloud-native card processing platform that has gained significant traction by bypassing traditional, fragmented payment stacks. The company provides a single API connection to the card networks, offering enriched data and real-time processing capabilities. Unlike traditional processors that rely on decades-old technology, Silverflow’s architecture is built specifically for the cloud, allowing for greater flexibility and more detailed data reporting for financial institutions and PSPs. The company’s position in the market is defined by its ability to offer direct network access, which reduces the complexity typically associated with card acquiring and processing.

What FF News has reported before

FF News has extensively tracked Silverflow’s rapid expansion and its series of strategic partnerships. In late 2026, the company made significant moves in North America, as detailed in Silverflow Accelerates US Expansion with $40M Series B and New Sales Leadership. This followed a period of intense collaboration across Europe and the technical sector, including the launch of a cloud-native acquiring solution covered in Silverflow and Hypergate Partner to Launch Cloud-Native Acquiring Solution for Financial Institutions. Other notable developments include Silverflow and Griner Expand Partnership to Accelerate European Payment Processing and the integration of card acquiring for business clients in Finsei Launches Integrated Card Acquiring to Simplify Merchant Payment Ecosystems.

What this means

This partnership highlights a growing industry shift away from monolithic, slow-to-deploy payment stacks toward modular, cloud-native ecosystems. By promising a launch window of weeks, Ximedes and Silverflow are putting direct pressure on traditional technology providers whose implementation cycles often stretch into years. The inclusion of real-time interchange fee data is particularly significant; it moves the needle on transparency in a sector where hidden costs have long been a pain point for PSPs. The broader market must now contend with the reality that "bespoke" no longer has to mean "slow," raising questions about the long-term viability of legacy vendors who cannot match this speed of deployment.