Silverflow, a key player in payment processing solutions, has teamed up with xpate, a fintech-focused payment provider, to enhance their services and streamline real-time payments. This collaboration marks a significant step in simplifying global financial transactions for both companies.

xpate’s Mission and Role

xpate is dedicated to making it easier for digital enterprises to manage their financial operations. By integrating card payments, foreign exchange, and banking into one seamless account, xpate offers businesses a comprehensive platform that streamlines payment processes.

Challenges in the Competitive Landscape

Operating within a competitive environment, xpate requires robust technical support to meet its expanding needs, particularly as it ventures into various European markets. This partnership with Silverflow addresses these challenges by modernizing back-end operations and overcoming issues related to legacy systems.

Silverflow’s Solutions

Silverflow’s API-first approach is designed for scalability and ease of integration. The collaboration has enabled xpate to achieve full integration in a relatively short timeframe, enhancing operational efficiency and reducing debugging time. This partnership also brings faster dispute resolution capabilities, improving overall merchant satisfaction and fund availability.

Key Benefits

The joint effort between Silverflow and xpate offers several advantages:

• Accelerated time to market with complete integration in a few weeks.

• Operational improvements, including reduced debugging hours and minimized disruptions.

• Enhanced merchant satisfaction through faster dispute resolution and improved fund availability.

• Expansion into the EU, onboarding new merchants across multiple countries.

• Simplified transformation facilitated by Silverflow’s ability to provide quick, customized solutions.

Other Notable Partnerships

In June 2025, Silverflow also partnered with Bolt, a leading shared mobility platform. This collaboration allowed Bolt to optimize its payment operations and create a more consistent and secure experience for its users.

Silverflow’s Impact on Bolt

Silverflow’s technology helped Bolt directly route Visa and Mastercard transactions to the card schemes, providing a high-performance alternative to existing solutions. This integration improved control over payments, increased resilience, and optimized system performance.