Silverflow and Hypergate unite to modernise acquiring infrastructure
Silverflow, the Amsterdam-based cloud-native payment processor, and Hypergate, a payment gateway provider, have launched a jointly integrated infrastructure offering aimed at acquirers, e-money institutions and payment providers that are still managing fragmented, multi-vendor payment stacks.
The partnership combines Silverflow's single-API connection to card networks with Hypergate's gateway, routing and orchestration capabilities into a unified interface covering the full payment lifecycle: authorisations, recurring payments, partial captures, refunds, chargebacks, tokenisation and decline diagnostics. The company says the architecture can lift first-payment approval rates by up to 8% through network tokenisation, though that figure is company-issued and has not been independently verified.
Collapsing the integration stack
The operational logic is straightforward. Payment acquirers traditionally assemble their infrastructure from several discrete vendors: a processor, a gateway, a tokenisation provider and a compliance layer. Each handoff between those systems introduces latency, manual reconciliation and regulatory surface area. The Silverflow-Hypergate integration attempts to collapse that into a two-way automated synchronisation of merchant configurations, covering MID and terminal setup, processing limits, webhook management and merchant onboarding.
On the compliance side, Hypergate brings PCI DSS Level 1 certification and DORA-ready documentation, a regulatory requirement that has sharpened in urgency across European payment providers since the Digital Operational Resilience Act came into force earlier this year. For smaller acquirers and e-money institutions without large in-house compliance teams, bundling that into a single vendor relationship materially lowers their regulatory overhead.
Robert Kraal, co-founder of Silverflow, framed the commercial case plainly: "The payments industry has reached a point where organisations can no longer afford to be slowed down by fragmented infrastructure and complex integrations. Every additional manual process adds time, cost and operational risk."
Several early adopters are already live on the joint platform, including Guru Pay, Fairmay, Finsei and Exepay. A Finsei representative described the decision as being about strengthening their acquiring proposition rather than simply adding a technology vendor, while Guru Pay highlighted reconciliation tooling and dispute management dashboards as operationally valuable alongside core transaction processing.
The broader modernisation wave
The partnership sits within a well-documented structural shift in European payments infrastructure. A generation of payment businesses built their acquiring stacks on on-premise or early-cloud gateways that were not designed for the API-first, real-time settlement expectations of today's merchant base. Replacing those systems wholesale is expensive and disruptive; partnerships that retrofit a modern processing layer onto existing gateway relationships offer a lower-friction migration path.
For cross-sector strategists, the more interesting read-across is regulatory. DORA's resilience requirements are pushing payment providers to consolidate vendors and reduce operational interdependencies, a dynamic that directly benefits integrated-stack propositions like this one. The same logic is playing out in adjacent regulated industries: insurtech, embedded finance platforms and BaaS (banking-as-a-service) providers are all under pressure to demonstrate operational resilience through fewer, more capable infrastructure partners rather than larger numbers of point solutions.
Capital markets have taken note of this consolidation trend. Investment into payments infrastructure modernisation has remained resilient even as broader fintech funding contracted through 2024 and 2025, with acquirer-tech and cloud-native processing attracting sustained interest from both growth equity and strategic investors. Neither Silverflow nor Hypergate disclosed funding or valuation figures in connection with this partnership announcement.
The joint solution is available immediately. Whether the commercial traction from early adopters like Guru Pay and Exepay translates into a meaningful share of the mid-market acquirer segment will depend on how quickly the integration can be certified by larger, tier-one financial institutions with more demanding compliance and audit requirements.