Deutsche Bank Partners with Silverflow for Cloud-Native Payments Platform in Europe

Deutsche Bank has joined forces with Silverflow to introduce a cloud-native payments platform across Europe. The new solution integrates two key services from Silverflow’s API-first, cloud-based platform—flexible card acquiring and individual BIN setups.

The bank serves as the acquirer, providing point-of-sale (PSP) and cash management services optionally, while assisting merchants in managing transaction costs, settlement times, and risk parameters.

With this partnership, Deutsche Bank has managed to reduce integration time compared to traditional deployments, thereby speeding up client onboarding. Authorization rates have stayed consistently high during large volumes, reducing failed transactions and protecting merchant revenues.

Rapid Dispute Resolution and Unified Banking Solutions

According to Deutsche Bank, the collaboration strengthens its acquiring solution by enabling faster dispute resolution and offering a unified portfolio of banking, treasury, and payment products. Leveraging Silverflow’s platform, the bank has successfully onboarded merchants quicker, maintained authorization rates above industry standards, and automated chargeback flows.

This initiative underscores how modern payment infrastructure can transform banking operations.

For corporate clients, instant access to Silverflow’s merchant chargeback API allows for automated dispute management, reducing customer complaints and operational costs. Early feedback indicates that simple reconciliation, real-time data transparency, and unified support are crucial features driving the adoption of a unified approach over multi-vendor stacks.

Future Plans and Industry Trends

Both companies plan to expand their solution with additional features such as analytics dashboards for transaction insights, real-time reconciliation tools, routing access across multiple card networks, and predictive fraud controls driven by machine learning.

The move away from legacy on-premises systems towards cloud-native architectures is noted by industry experts. By offering core banking, treasury funds, and acquiring services, Deutsche Bank aims to attract clients seeking a technology-driven payments solution.