Xpate onboards with Silverflow
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The collaboration is a major milestone in xpate's mission to simplify global payments and eliminate friction between earning and accessing funds.
As a payment provider built for fintechs and digital enterprises, xpate makes it easier to pay and get paid, combining card payments, FX and banking services into one unified account, to give modern businesses simple and transformative access to critical financial tools. In doing so, xpate enables digital businesses to thrive, scale, and drive innovation with confidence. However, it is operating in an intensely competitive payments landscape. So xpate sought a partner that could match its ambition and technical needs by enhancing back-end operations and addressing inefficiencies inherent in legacy systems. xpate also faced the challenge and complexity of expanding into multiple European markets.
Silverflow's modern, API-first infrastructure provided a scalable, reliable, and developer-friendly solution, allowing xpate to onboard in weeks, and gain real-time transaction insights through direct access to card schemes. While its enhanced dispute resolution enabled xpate to proactively resolve issues before they impacted customers.
'Silverflow isn't just a provider; they're an extension of our team. Their ability to quickly adapt, problem-solve, and anticipate our needs makes all the difference,' said Ruben Vosmeer, CTO of xpate.
Silverflow's collaboration with xpate has yielded tangible results, including:
• Faster time to market with full integration completed in a matter of weeks
• Operational gains, including reduced debugging hours and minimised disruptions
• Higher merchant satisfaction thanks to quicker dispute resolution and fund availability
• Successful EU expansion, with onboarding of new merchants in multiple countries
• Frictionless innovation, supported by Silverflow's ability to offer fast, custom solutions — even outside regular hours
'xpate is a forward-thinking partner that truly understands the value of modern infrastructure in scaling global payments. Our collaboration is built on a shared commitment to speed, transparency, and innovation — and it's been exciting to support their rapid growth across new markets. We don't just provide technology; we solve problems together, in real time,' said Anne Willem de Vries, CEO & Co-founder, Silverflow.
Ruben Vosmeer added: 'One standout example of our partnership's agility: xpate needed to credit merchants for transactions in Polish złoty settled in Euro, but crucial transaction data was missing from the payment flow, causing delays. When xpate raised the issue, Silverflow provided a solution within 30 minutes and on a Friday afternoon.'
As xpate continues to scale and innovate, Silverflow remains a vital strategic partner. Their shared focus on breaking down payment barriers ensures xpate's customers benefit from cutting-edge infrastructure, faster fund access, and seamless global reach.
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