Deutsche Bank Partners with Silverflow to Redefine Card Acquiring and Digital Payments in Europe

Silverflow, the new standard in payment processing, has partnered with Deutsche Bank to launch a new cloud-native payments platform across Europe.

Since going live, the partnership has delivered a quantifiable impact. Integration time was slashed down as compared to legacy deployments, enabling Deutsche Bank to onboard new merchants more rapidly. Authorisation rates have remained consistently high—even during peak volumes, protecting merchant revenues and minimising failed transactions. 

At the core of the solution are two integrated services. Silverflow’s API-first, cloud-based platform enables flexible card acquiring and individual BIN setups. Deutsche Bank acts as the acquirer plus optional PSP & cash management services, allowing merchants to tailor transaction costs, settlement timing, and risk parameters to their needs. 

Kilian Thalhammer, Global Head of Merchant Solutions at Deutsche Bank, said: “Our partnership with Silverflow has reinforced our acquiring product with unprecedented agility, delivered prompt dispute resolution and enabled us to offer a unified banking, treasury and payments service that clients are already adopting.” 

Robert Kraal, Co-Founder of Silverflow, added: “By integrating our API-first, cloud-native platform, Deutsche Bank onboarded merchants across in record time, maintained stellar authorisation rates above industry benchmarks, and automated chargeback flows to close disputes—proving that modern payments infrastructure transforms banking operations.”

Concurrently, Deutsche Bank’s corporate banking clients gain instant access to Silverflow’s merchant chargeback API, automating the dispute-management workflow and removing manual bottlenecks. As a result, customer complaint volumes have been minimised, significantly reducing operational overheads. The collaboration has also powered immediate market expansion.

Early adopter feedback highlights simplified reconciliation, real-time data transparency and unified support as key drivers in merchants’ decisions to switch from fragmented, multi-vendor stacks.

From this partnership, industry observers note a broader move from legacy, on-premises systems to agile, cloud-native architectures. Through adding core banking, treasury functions and state-of-the-art acquiring under one roof, Deutsche Bank has differentiated its offering, attracting inquiries from competitors’ clients seeking a one-stop, technology-driven payments solution.

Looking ahead, Silverflow and Deutsche Bank will develop this integration. Planned enhancements include advanced analytics dashboards for deep transaction insights, real-time reconciliation tools to streamline financial closes, dynamic routing across multiple card networks to optimise processing costs and predictive fraud controls powered by machine learning. These innovations will give merchants unparalleled visibility into payment flows, further elevate authorisation performance and drive down operational expenses—ensuring both organisations lead the next wave of digital payment invention.