The solution incorporates two key services from Silverflow’s API-first, cloud-based platform: flexible card acquiring and individual BIN setups. As the acquirer, Deutsche Bank can offer payment service provider (PSP) and cash management services on an optional basis to merchants.

The partnership has allowed Deutsche Bank to reduce integration time compared to traditional deployments, thus enabling faster client onboarding. Authorisation rates remained high even during peak volumes, minimising failed transactions and protecting merchant revenue.

Enhancing Banking Operations

According to Deutsche Bank, the collaboration strengthens its acquiring solution by facilitating rapid dispute resolution and providing unified banking, treasury, and payment products. Leveraging Silverflow’s platform has helped the bank onboard merchants more efficiently while maintaining authorisation rates above industry standards and automating chargeback processes.

For corporate banking clients, instant access to Silverflow’s merchant chargeback API streamlines dispute management, reducing customer complaints and operational expenses.

Early feedback from early adopters highlights the importance of simple reconciliation, real-time data visibility, and unified support in driving merchants towards a unified approach. The move away from legacy systems and towards cloud-native architectures is noted by industry experts. Deutsche Bank aims to attract clients seeking a technology-driven payments solution by offering core banking, treasury funds, and acquiring services.

Future Developments

Both companies plan to expand their partnership, introducing 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.