# Silverflow

**Canonical:** https://apis.io/providers/silverflow/  
**Website:** https://www.silverflow.com/  
**APIs profiled:** 2

Silverflow is an Amsterdam-based cloud-native card processing platform that connects acquirers, payment service providers, payment facilitators and merchants directly to the card networks (Visa, Mastercard, Amex, Discover, Diners, Maestro, Bancontact) through a single REST API. Founded in 2019, the company replaces legacy acquiring processor infrastructure with a contract-first, OpenAPI 3.0-described platform covering merchant and acceptor onboarding, 3-D Secure and BEP authentication, processor and network tokenization, authorization, clearing and settlement, incremental authorizations, reversals, refunds and payouts, terminal-to-cloud POS charges, ATM card management, dispute and chargeback handling, fraud notifications, transaction risk assessment, interchange and scheme-fee estimation, and a full reconciliation and reporting suite. The Silverflow API exposes 137 operations across 101 paths, emits 31 CloudEvents 1.0 webhook notifications through an event-subscription surface, and publishes a sandbox with amount-driven authorization test scenarios.

## Kin Score — 53.3 / 100 (developing)

Scored 2026-09-01 under rubric 0.17.2. Trend: flat (+0.0 from 53.3).

| Facet | Score |
|---|---|
| Discoverability | 70.4 |
| Contract Quality | 60.4 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 57.9 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Payments**: 57.8 (matched via tags).

## Agent readiness — 45.9 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | verified |
| Event Surface Described | yes |
| Agent Skills | yes |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (50)

- **Silverflow 3DS Authentication API** — 3DS Authentication Endpoints
- **Silverflow Agents API**
- **Silverflow AMMF Submission Events API**
- **Silverflow API Keys API**
- **Silverflow BEP Authentication API** — The BEP Authentication API from Silverflow — 3 operation(s) for bep authentication.
- **Silverflow Bins API**
- **Silverflow Card Info API** — Provides information from the card networks about Card Ranges.
- **Silverflow Card Management API** — ATM card management actions: PIN change, PIN unblock, balance inquiry and PIN change reversal.
- **Silverflow Card Network Reports API** — The Card Network Reports API from Silverflow — 2 operation(s) for card network reports.
- **Silverflow Charge Actions API** — Perform different actions on existing charges.
- **Silverflow Charges Events API**
- **Silverflow Charges Reports API** — The Charges Reports API from Silverflow — 1 operation(s) for charges reports.
- **Silverflow Clearing Events API**
- **Silverflow Create Charges API** — Create different types of charges.
- **Silverflow Create POS Charges API** — Create a POS charge.
- **Silverflow Create Recurring API** — Create different types of recurring charges.
- **Silverflow Currency Conversion Rates API** — The Currency Conversion Rates API from Silverflow — 1 operation(s) for currency conversion rates.
- **Silverflow Dispute Reports API** — The Dispute Reports API from Silverflow — 1 operation(s) for dispute reports.
- **Silverflow Disputes API** — The Disputes API from Silverflow — 9 operation(s) for disputes.
- **Silverflow Disputes Events API**
- **Silverflow Distribution Events API**
- **Silverflow Distributions API** — The Distributions API from Silverflow — 2 operation(s) for distributions.
- **Silverflow Documents API** — A Document is a file with associated metadata that can be uploaded and downloaded. Documents have to be attached to a business entity, for example `Dispute Documents`. The Docum...
- **Silverflow Enrollments API**
- **Silverflow Event Subscriptions API**
- **Silverflow Fees API** — The Fees API from Silverflow — 2 operation(s) for fees.
- **Silverflow File Subscriptions API** — Subscribe to raw files from the card networks.
- **Silverflow Fraud Notification Events API**
- **Silverflow Fraud Notifications API** — Fraud Notifications are created by the schemes when a fraudulent transaction is reported to them. The Fraud Notification endpoints, allow to obtain more information about a Frau...
- **Silverflow Fraud Notifications Reports API** — The Fraud Notifications Reports API from Silverflow — 1 operation(s) for fraud notifications reports.
- **Silverflow Merchant Acceptors API**
- **Silverflow Merchants API**
- **Silverflow Network Funds Transfers API** — The Network Funds Transfers API from Silverflow — 2 operation(s) for network funds transfers.
- **Silverflow Network Tokenization API** — Network Tokenization
- **Silverflow Network Tokens Events API**
- **Silverflow POS Charge Actions API** — Perform different actions on a previously created charge.
- **Silverflow Processor Tokenization API** — Processor Tokenization
- **Silverflow Processor Tokens Events API**
- **Silverflow Reconciliation Details API** — The Reconciliation Details API from Silverflow — 3 operation(s) for reconciliation details.
- **Silverflow Reconciliation Events API**
- …and 10 more, listed in full on the page.

## Security (3)

- **Silverflow Authentication** — apiKey/http · 3 schemes
- **Silverflow Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Silverflow Vulnerability Disclosure** — Hackerone · contact published

## Plans (1)

- **Silverflow Plans Pricing**

## Tags

Payments, Card Processing, Acquiring, Financial-Services, Tokenization, 3D Secure, Disputes, Chargebacks, Interchange, Reconciliation, Point-of-Sale, Netherlands

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/silverflow/). Scores are computed from the provider's own public artifacts under a published rubric.