Westpay Goes Live with Silverflow Integration to Boost Nordic Payment Flexibility

Westpay has successfully integrated Silverflow’s cloud-native acquiring processing platform into its payment ecosystem. For fintech professionals, this move signals a shift toward acquirer-independent models in the Nordics, allowing merchants to bypass legacy infrastructure and access direct connections to global card networks for improved transparency, scalability, and long-term cost efficiency.

What was announced

Westpay, a Nordic payment solutions provider, has officially gone live with its integration into Silverflow’s cloud-based acquiring processing platform. This technical milestone allows Westpay to connect directly to global card networks using Silverflow’s API-first infrastructure. The integration is designed to bolster Westpay’s acquirer-independent strategy, which provides merchants with the ability to source acquiring services competitively rather than being locked into a single provider.

The rollout targets merchants across the Nordic region and beyond, offering a modernized transaction infrastructure that is faster and more agile. By utilizing cloud-native technology, Westpay aims to deliver processing capabilities better suited to today’s dynamic payments landscape. This integration arrives alongside other Westpay innovations, including the development of next-generation terminals, SoftPOS solutions, and a redesigned transaction infrastructure. For the end merchant, the primary advantages include increased transparency in transaction data, improved performance, and reduced operational costs through more efficient routing and sourcing. The launch reflects a broader industry trend where merchants are moving away from monolithic, closed systems in favor of open, interoperable, and resilient infrastructures that can adapt to a rapidly changing payments landscape.

"With Silverflow now live in our platform, we take another leap forward in building the payment infrastructure of the future,"

Sten Karlsson, CEO at Westpay

The companies involved

Westpay AB is a Nordic provider of secure payment solutions. The company focuses on providing a comprehensive suite of payment services, including terminals and transaction infrastructure, while maintaining an acquirer-independent stance. This independence allows its clients to choose from various backend acquirers to optimize their payment processing costs and performance.

Silverflow provides a modern, cloud-native card-acquiring processing platform. Unlike traditional processors that often rely on legacy technology, Silverflow’s platform was built as an API-first solution. It provides a direct connection to global card networks, offering transparency and streamlined processing for its partners. By replacing the complex layers of legacy infrastructure typically found in the payments industry, Silverflow has positioned itself as a key infrastructure player for companies looking to modernize their payment stacks without the overhead of traditional systems. The company has established a significant presence in the market, frequently partnering with other financial institutions to launch cloud-native solutions and expanding its reach across Europe and the United States.

What FF News has reported before

FF News has tracked Silverflow’s rapid expansion and its role in modernizing the acquiring space. Recently, the company secured significant capital to fuel its growth, as seen in Silverflow Accelerates US Expansion with $40M Series B and New Sales Leadership. The firm has also been active in forming strategic alliances to broaden its reach, including a partnership with Hypergate to launch a Silverflow and Hypergate Partner to Launch Cloud-Native Acquiring Solution for Financial Institutions. Further European growth was highlighted in Silverflow and Griner Expand Partnership to Accelerate European Payment Processing, while the broader trend of integrated card acquiring was explored in Finsei Launches Integrated Card Acquiring to Simplify Merchant Payment Ecosystems.

What this means

This integration highlights the growing pressure on legacy payment processors to justify their existence in an API-first world. As Westpay adopts a cloud-native backend, it effectively commoditizes the acquiring layer, allowing merchants to treat payment processing as a plug-and-play service rather than a rigid partnership. This move puts traditional Nordic banks and legacy processors on notice; they can no longer rely on technical inertia to retain merchant clients. The shift toward acquirer-independence suggests that the future of the industry lies in modularity, where the value shifts from the transaction itself to the data and flexibility provided by the underlying infrastructure.