Accept cards everywhere
Accept cards everywhere
Take your business to all corners of the earth — we will have your back.

Learn more and start today

About Silverflow

Accepting card payments is essential to your business.

6.0 billion cards

With 3.4 billion Visa cards and 2.6 billion Mastercards worldwide, it is essential to accept both Visa and Mastercard for an international active retailer.

$3.8 trillion

Together Visa and Mastercard processed 56.9 billion transactions in the second quarter of 2019 with a total value of $3.8 trillion.

14% Year-on-year growth

The number of transactions processed in the second quarter of 2019 has increased with 14% in comparison to the same period last year.

50% share in online

In Europe, card payments have a 50% share of total e-commerce transaction volume. In North-America and Latin-America this is even higher with respectively 69% and 64%.

Accepting cross-border card payments is hard.

To accept cross-border card payment, a retailer needs to contract an acquiring bank and connect to the bank’s card processing platform. These steps have to be repeated in every region the retailer wants to be active. Once setup, the retailer needs to deal with card scheme rules, complex fees structures and extensive security demands. Technical changes - whether driven by regulators or new innovations - require keeping development resources available to maintain and update all bank connections, or risk decreasing authorization rates or higher card fees.



Silverflow makes it easy.

Silverflow card processing as a service.

Silverflow makes it easy for cross-border retailers to accept card payments. We offer card processing as a service, enabling our customers to be active across regions, using an acquirer of your choice. We handle authorization and clearing of your transactions. We take care of refunds and chargebacks. We deal with card scheme rules, optimize your fee structure and take care of data security requirements according to PCI standards and local legislation like GDPR. Our team keeps track of all the latest card scheme specifications to make sure you are always up to date.


Why Silverflow?

Best-in-class ecommerce solution for card payments.

Direct connection into the card networks.

Plug & play API based cloud solution.

Transparent cost structure without hidden fees.

Not tied into an acquiring bank - work with whoever you want.

For who?

How can we serve you best?

Payment Service Providers (PSPs)



Payment Service Providers

As your customer grow, so do their requirements. Stay ahead of the game by partnering with Silverflow and offer your merchants the best card payment solution available. Accept cards under your own card scheme license. Or partner with an acquiring bank from our or your own network. Your customers will be glad you did.

For more info contact us at: or + 31 (0) 85 06 09 160


Interchange fee regulations. Recurring payments. 3DS 2.0. Keeping up with the latest card scheme rules and specifications is cumbersome. Finding developers who can implement the required changes is a daunting task. Stop fighting over scarce development resources and focus your attention on what you do best. We will take care of the rest.

For more info contact us at: or + 31 (0) 85 06 09 160


Acquirer, Processor, Gateway, PSP, … who knows how many parties are involved in processing your card payments? But you do know they all take a percentage. And that each step in the system adds errors. Stop hurting your bottom line and authorization rate and connect directly to the card networks. Boost your revenues and your profits.

For more info contact us at: or + 31 (0) 85 06 09 160


We are here to support you!


Paul Buying


Paul Buying combines entrepreneurial affinity, in-depth technical expertise and a strong focus on execution.

After finishing his degree in artificial intelligence, he started his career as technology consultant at (among others) Cambridge Technology partners and Everett. He moved on to found Livewords - a translation technology company - which was acquired by Concorde Group, Europe’s largest translation agency in 2016.

As Co-founder of Silverflow, Paul is responsible for developing the technology platform and recruiting and managing the technical team.


Robert Kraal


Robert Kraal is one of the few people in the world with over 20 years of experience in online payments.

After completing his degree in Geophysics, he started his career at Bibit, the first global Payment Service Provider (PSP). He then joined RBS/Worldpay to lead account management, before moving on to Google Netherlands. He joined Adyen in 2010 in the role of COO, where he was responsible for building and running the global acquiring and processing service.

As Co-founder of Silverflow, Robert is responsible for maintaining relationships with the card schemes, acquirers, PSPs and regulators.


Anne Willem de Vries


Anne Willem (AW) de Vries combines a strong analytical mindset with a passion for delivering results.

After finalizing his degree in Applied Physics, he joined the Amsterdam office of Bain & Company. He moved on to work in Private Equity where he was responsible for portfolio companies in the Netherlands and Germany. He gained experience in cards payments at Adyen, where he was part of the cards acquiring team.

As Co-founder of Silverflow, Anne Willem is responsible for the card scheme implementations and the overall commercial, financial and operational activities.


Lets get in touch. Send us a message:

Entrada 100, Amsterdam-Duivendrecht, Netherlands

Phone: + 31 (0) 8506 09160