Silverflow, a cloud-native payments processing platform, has launched a new API called Terminal-to-Cloud to enable payment terminals to connect directly to its host platform.
The new tool completely removes the need for a third-party terminal gateway.
The product launch shifts processing away from the traditional host-to-host model, where a third-party gateway acts as an intermediary to translate messages between the terminal and the processing host.
This direct connection strips away legacy software complexity and reduces the number of intermediaries involved in each transaction.
For fintech companies and agile acquirers building modern infrastructure, the setup reduces costs, improves reliability, and increases operational control.
Clients can avoid gateway fees and the annual payment card industry (PCI) compliance audit obligations that usually accompany an additional processing layer.
The shorter transaction chain also minimises points of failure. If an issue occurs, businesses have a single platform and point of contact rather than multiple vendors to manage during an outage.
“The traditional model asks fintechs to take on a gateway relationship they do not need just to get terminals talking to a host,”
said Paul Buying, Co-founder, Silverflow.
“Terminal-to-Cloud changes that. We have built a direct connection using modern technology, so our clients get the reliability and simplicity they expect without carrying the weight of old gateway infrastructure.”
Buying added that payment providers need a clean path from terminal to host without the overhead of a middle layer.
The solution aims to simplify their technical stack and reduce exposure to third-party outages. It also ensures there is only one relationship to manage when troubleshooting.
The product is designed primarily for fintech operations and acquirers that do not own a legacy gateway. It helps them launch services quickly without having to build or license one.
Larger financial institutions can also adopt the solution incrementally to replace existing infrastructure.
The Terminal-to-Cloud API is available immediately, with integration support provided directly by the company.
Featured image credit: Edited by Fintech News Switzerland, based on image by bunditinay via Magnific
