Together, XPP and Silverflow Deliver a White-Label Payment Gateway with Direct Access to Card Schemes

The combined solution provides acquirers with a white-label payment gateway that connects directly to card schemes, enabling competitive merchant services under their customers' own brands

XPP, a payment product provider modernising payments to enable a frictionless payment experience, is partnering with Silverflow, the cloud-native card acquiring processor built to modernise payments infrastructure. Together, we're making it easier than ever to deploy a scheme-integrated payment gateway without the complexity of building from scratch.

Modern Payment Processing Meets Advanced Gateway Technology

Silverflow is a cloud-based card payment processing platform that offers direct connection to card networks with real-time insights and enriched data through easy-to-use APIs. Core features include 3D-Secure, network tokenisation, direct-to-card payouts, and dispute management.

XPP's Ginger is a white-label payment gateway designed for acquirers, fintechs and PSPs who want to launch fully branded e-commerce payment solutions. Unlike providers that operate shared, multi-tenant environments, Ginger provides a fully isolated, single-tenant platform instance for each customer. All data, infrastructure, and processes are entirely separated, ensuring maximum security, privacy, and full data and brand ownership, resulting in increased consumer trust and higher conversion and acceptance rates.

How We Work Together

The partnership creates a complete technology stack:

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• Ginger's gateway handles secure transaction routing, merchant enrollment, fraud prevention, and checkout optimisation‍
• Silverflow's platform processes transactions with direct connection to card networks, providing real-time insights and enriched transaction data‍
• Combined deployment enables acquirers to offer both gateway and processing capabilities, with real-time settlement, network tokenisation, enhanced approval rates, and zero third-party exposure during payment flows

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What this means for acquirers: Deploy both gateway and processing capabilities to own every layer of the payment stack from checkout to settlement, with direct scheme benefits and faster deployment.

Success Story: xpate's Scheme-Integrated Gateway Deployment

xpate, a Baltic-based fintech serving fast-growing digital merchants, needed to compete with established players while entering the market quickly. They required:

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• Competitive conversion and acceptance rates
• Wide payment capabilities and market coverage
• Added value through data and analytics
• Best-in-class integration experience

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By deploying Silverflow's cloud-based payment processing platform alongside XPP's Ginger gateway, xpate built a scalable, fully-branded gateway solution with complete control over the merchant experience.

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"The key differentiator of xpate is that the distance between receiving, selling, making money, and spending should be compressed to almost zero," explains Ruben Vosmeer, CTO at xpate. They successfully deployed their scheme-integrated gateway and are now rapidly expanding across the UK and EU.

The Partnership Advantage

Traditional platforms force acquirers to choose between speed and control. Up to 10% of customer journeys can expose third-party branding during checkout, eroding trust and impacting conversion rates.

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"Our clients are looking for sophisticated payment gateway technology that doesn't compromise on control or performance," says Tom van der Poel, CEO of XPP. "By deploying Silverflow's direct scheme connectivity alongside Ginger's gateway capabilities, we're enabling them to offer competitive payment services under their customers' own brands."

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Our partnership delivers:

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• Complete infrastructure ownership with dedicated, regionally-hosted deployments
• Direct scheme advantages include network tokenisation and faster settlement
• Partnership-first approach with ongoing technical collaboration, not just vendor relationships

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"Together with Ginger, we're giving acquirers the agility and control they've always wanted without the legacy complexity," adds Anne Willem de Vries, CEO of Silverflow.

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Ready to see what's possible? Get in touch to learn how XPP and Silverflow can help you deploy your scheme-integrated payment gateway.

About

Ginger is XPP's white-label payment gateway designed for acquirers, fintechs and PSPs to launch fully branded e-commerce payment solutions with complete merchant experience control.

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XPP is a modular payment product provider modernising payments across public transit, higher education, enterprises, financial institutions, and unattended services, enabling frictionless payment experiences that allow businesses to focus on growth.

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Silverflow is a cloud-based card payment processing platform that offers direct connection to card networks with real-time insights and enriched data through easy-to-use APIs, enabling payment service providers to improve conversion, reduce interchange fees, and access the latest payment innovations. https://www.silverflow.com/

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