Silverflow, a key player in API-first infrastructure for payment processing, has teamed up with xpate to enhance its payment services. This collaboration aims to improve acquiring capabilities and real-time payment functions.

This partnership is crucial as xpate strives to simplify cross-border payments and remove obstacles between earning and accessing funds. Designed specifically for fintech companies and digital enterprises, xpate streamlines the payment process by integrating card payments, foreign exchange (FX), and banking services into a cohesive platform.

In a competitive landscape, xpate needs partners who can meet its technological demands. The partnership with Silverflow is expected to modernize back-end operations and address challenges posed by outdated systems as xpate expands into multiple European markets.

Silverflow’s API-first approach offers scalable solutions that are developer-friendly, enabling rapid integration often within weeks. This alliance provides real-time transaction insights via direct access to card schemes and enhances dispute resolution capabilities, allowing xpate to proactively manage issues before they affect customers.

The collaboration with Silverflow includes several key benefits:

• Accelerated time to market with complete integration within a few weeks.
• Operational improvements with reduced debugging hours and minimized disruptions.
• Increased merchant satisfaction due to faster dispute resolution and improved fund availability.
• Expansion in the EU, onboarding new merchants across various countries.
• Simplified transformation through Silverflow’s ability to offer quick, customized solutions.

In June 2025, Silverflow also partnered with Bolt, a leading shared mobility platform. This partnership streamlined Bolt’s payment flows and unified internal processes, delivering a more consistent and secure experience for clients.

Silverflow’s technology allowed Bolt to route Visa and Mastercard transactions directly to the card schemes, creating an efficient alternative to existing solutions. This move brought payments closer to Bolt’s infrastructure, improved control, increased resilience, and optimized overall system performance.