Cloud-native payment processing company Silverflow and Hypergate have partnered to offer an integrated payments infrastructure product for acquirers, payment providers, and financial institutions.
The arrangement combines Silverflow’s cloud-native processing platform with Hypergate’s payment gateway technology.
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Silverflow provides a direct, single-API connection to card networks. The company said features such as network tokenisation can improve first-payment approval rates by up to 8%.
The integrated product automatically synchronises merchant configurations in both directions.
Users can set up merchant identification numbers (MIDs) and terminals, apply processing limits, manage webhook notifications, and shorten merchant onboarding processes.
The platform covers payment functions across the transaction lifecycle through one interface.
These include authorisations, recurring payments, partial captures, refunds, chargebacks, tokenisation, and decline diagnostics.
The company said the offering is built for “high-volume” operations and “complex” financial flows.
Hypergate supplies PCI DSS Level 1 compliance through its licence, as well as DORA-ready documentation, uptime service level agreements, and risk-management tools.
Silverflow co-founder Robert Kraal said: “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.”
The joint product is available now. Guru Pay, Fairmay, Finsei, and Exepay are among the financial institutions and e-money providers using it in their acquiring operations.
