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In a move that signals a decisive break from legacy infrastructure, Deutsche Bank has partnered with Amsterdam-based fintech Silverflow to roll out a new cloud-native payments platform across Europe.
Deutsche Bank and Silverflow join forces
The collaboration marks a strategic push to streamline card acquiring while integrating advanced digital payments capabilities under one roof.
Early outcomes have been significant.
Merchant onboarding times have been drastically reduced thanks to Silverflow’s API-first architecture, accelerating Deutsche Bank’s ability to bring clients online.
Even during peak processing volumes, authorisation rates have remained consistently high – mitigating revenue leakage from failed transactions and reinforcing merchant confidence.
Core Proposition
The core proposition integrates two complementary services.
Silverflow delivers a cloud-based card processing layer that supports flexible acquiring configurations and bespoke BIN setups.
Deutsche Bank, meanwhile, operates as the acquiring bank, offering optional payment service provider (PSP) capabilities and integrated cash management.
This bundled approach enables merchants to optimise cost structures, settlement cadences, and risk parameters from a single provider.
“This partnership has brought agility to our acquiring capabilities, and allowed us to offer a seamless treasury and payments solution,” said Kilian Thalhammer, Global Head of Merchant Solutions at Deutsche Bank.
“We’re already seeing strong client uptake.”
Silverflow co-founder Robert Kraal added: “Deutsche Bank was able to rapidly onboard merchants, sustain authorisation rates above industry averages, and automate chargeback processes—demonstrating the power of a modern payment stack.”
Corporate banking clients now have access to Silverflow’s chargeback API, eliminating manual dispute management and dramatically cutting complaint volumes and back-office costs.
The partnership has also facilitated immediate market expansion, with merchants citing simplified reconciliation, real-time data visibility and consolidated support as key benefits over fragmented legacy systems.
Industry observers view the alliance as emblematic of a broader shift from on-premises software to scalable, cloud-native infrastructure.
Deutsche Bank’s integrated approach – combining core banking, treasury, and acquiring services – has piqued interest from merchants seeking a comprehensive, tech-driven solution.
Looking ahead, the partners plan to extend their platform with machine learning-powered fraud controls, dynamic transaction routing, and enhanced analytics.
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