Fintech Finance x Aevi x Silverflow: Future-proofing payment processing

At MPE, Sarah Koch, Director of Marketing & Communications at Aevi, and Nigel Thacker, Chief Commercial Officer at Silverflow, explored how PSPs can stay competitive in a fast-changing landscape. They discussed the evolution of payment expectations, the importance of flexibility, the power of data transparency, and how the Aevi–Silverflow partnership helps overcome legacy infrastructure challenges to deliver smarter, seamless payment solutions.

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How can PSPs stay competitive in 2025’s evolving payment landscape, and how does Aevi address legacy infrastructure challenges?

Sarah: That’s a great question. Over the past few years, we’ve seen that Payment Service Providers (PSPs) can no longer rely on simply being middlemen. The days when just processing payments was enough are over. The industry now expects more than just transactions.

PSPs need to either partner up or evolve their operations to deliver added value beyond basic payment processing. We've identified five major challenges that PSPs are currently facing:

1. Compressed Margins – Simply moving money from A to B is no longer profitable. PSPs must differentiate themselves to stay competitive.
2. New Entrants – Big tech and fintech players like Apple and PayPal are entering the market, offering frictionless, integrated payment experiences. Merchants want direct integration, and that puts PSPs at risk of being cut out.
3. Rising Expectations – Merchants expect more than just transactional services. They want seamless, holistic experiences at the point of sale—whether in-store, online, or across channels. PSPs that can’t deliver risk losing business.
4. Compliance Pressure – With new regulations like PSD3, compliance, security, and transparency are more important than ever.
5. Cybersecurity Risks – As the payments landscape evolves, so does the threat landscape. PSPs need strong strategies for fraud detection and risk management.

At Aevi, we’ve built a cloud-based payment orchestration platform designed to help PSPs thrive in this environment. It’s more than just payment processing—we integrate with multiple payment processors, methods, and hardware providers. This flexibility allows PSPs to create tailored merchant experiences and position themselves for long-term success.

Why is the Aevi–Silverflow partnership ideal for modern payment solutions?

Nigel: It allows us to offer a complete solution to customers. At Silverflow, we're focused on processing—we sit in the middle of everything. But we also need to extend into point-of-sale and e-commerce solutions.

Instead of building that ourselves, we partner with companies like Aevi who already offer great solutions. There's no need to reinvent the wheel. That’s why the partnership makes perfect sense.

Why is merchant flexibility a competitive advantage in today’s payments market?

Sarah: Flexibility is essential right now. And it’s not just about hardware—though that’s part of it. Whether it’s a smartphone, softPOS, or a traditional terminal, offering the right device matters.

But more importantly, PSPs need flexibility in how payments are processed. Being able to route transactions through different payment rails helps deliver better costs and experiences—especially at the point of sale.

Consumers now expect the same level of choice in-store that they get online—from PayPal to Buy Now, Pay Later (BNPL) to traditional credit cards. PSPs that enable this kind of flexibility for both merchants and consumers will have a real edge.

Why must payment solutions enable technology adoption without disrupting merchant-bank relationships?

Nigel: Much of today’s payment infrastructure was built decades ago—before data, before the internet boom, before marketplaces. Back then, there were far fewer merchants and far less complexity.

Now, we have millions of merchants and huge amounts of data. This data is key to improving customer experience and authorization success rates.

Merchants need access to modern tech that leverages data without disrupting their existing banking relationships. That’s the sweet spot we aim for.

How does the Aevi–Silverflow collaboration enhance data transparency and insights for PSPs, acquirers, and merchants?

Sarah: Data is everything in today’s payments world. The Aevi–Silverflow partnership brings real, actionable data to the players who need it.

With Aevi’s in-person payment orchestration platform and Silverflow’s cloud-based processing, we provide real-time and cross-channel data. Merchants can clearly see peak transaction times and make data-driven decisions about staffing, inventory, and operations. That leads to better consumer experiences and more efficient businesses.

What payment technology trends should PSPs, acquirers, and merchants prepare for in the next 5 years?

Nigel: One big trend is the move away from PANs (personal account numbers). Tokenization is becoming standard—it improves consumer security and boosts transaction success rates.

There's also far more data available now—not just whether a payment is authorized, but why it might have been declined. In-store, if a transaction fails, people try again. Online, they just leave.

Merchants can now use this data to improve their operations and conversion rates. And that’s what we enable. We’re fully data-transparent and built to handle as much data as needed, unlike older platforms that can’t keep up with today’s demands.

sarah.koch@aevi.com