Regnology, a German firm specializing in regulatory technology, announced plans to purchase Wolters Kluwer's Financial Regulatory Reporting (FRR) unit.
Deutsche Bank, a leading global bank, has teamed up with Bolt, a prominent mobility platform in Europe, and Silverflow, a cloud-based payment solutions provider, to launch card acquiring services across Europe and the UK. This collaboration marks a significant expansion of Deutsche Bank's payment processing capabilities within the European payments sector.
The Key Players
- Deutsche Bank: As the card acquirer, Deutsche Bank offers the regulatory framework essential for processing card transactions through Visa and Mastercard networks. The bank settles funds with the card schemes and handles payouts to Bolt [1][2][3].
- Bolt: By leveraging Deutsche Bank's membership with the card schemes, Bolt routes payments through Silverflow's platform, streamlining its payment operations and enhancing scalability and customer experience across Europe and the UK [1][2].
- Silverflow: The cloud-based payment infrastructure provided by Silverflow powers the card acquiring services. This partnership aligns with the broader trend of adopting cloud-native payment systems in Europe [1][2].
Regulatory Compliance and Efficiency
The partnership operates under a regulatory framework that ensures compliance with European payment regulations. Deutsche Bank's membership with Visa and Mastercard enables Bolt to process card transactions efficiently. The settlement of funds is managed by Deutsche Bank, which then executes payouts to Bolt, maintaining a transparent and compliant transaction cycle [1][2].
Implications for the European Payments Sector
This collaboration has several implications for the European payments sector:
- Scalability and Growth: The partnership allows Bolt to benefit from a stable and scalable payment infrastructure, aligning with its growth ambitions and enhancing the overall payment experience for its customers [1][2].
- Modernization of Payment Systems: The adoption of cloud-based payment platforms like Silverflow’s infrastructure underscores the industry's shift towards more efficient and modern payment solutions. This trend is expected to continue as digital platforms across Europe seek to optimize their payment processes [1][2].
- Strengthening Deutsche Bank's Position: The partnership reinforces Deutsche Bank's role as a leading provider in the European payments space, complementing its recent strategy to modernize card processing and introduce innovative acquiring models [1][2][3].
Kilian Thalhammer, Head of Merchant Solutions at Deutsche Bank, stated that this partnership is a milestone in delivering modern, scalable, and regulatory-resilient payment solutions for platform businesses across Europe.
The collaboration between Deutsche Bank and Bolt is part of Deutsche Bank's broader efforts to expand its role in the European payments sector. The systems aim to balance regulatory compliance with operational efficiency for digital platforms in Europe.
The card acquiring service for Bolt has been operational since April 2025. The partnership between Deutsche Bank and Silverflow was announced in June. The collaboration delivers a smoother payment experience for Bolt's customers, contributing to the modernization of the European payments sector.
[1]: The card schemes settle funds with Deutsche Bank, which then handles payouts to Bolt. [2]: The card acquiring solution is fully integrated with Visa and Mastercard's scheme infrastructure. [3]: Deutsche Bank serves as the card acquirer, offering the regulatory framework required to process card transactions through Visa and Mastercard.
[Image Credit] The featured image credit for this article is from Edited by our platform Switzerland, based on an image by Dominic Kurniawan Suryaputra via Unsplash.
- The technology-driven partnership between Deutsche Bank, Bolt, and Silverflow signifies an integration of fintech solutions within the traditional finance and business sectors, as Deutsche Bank offers its cloud-based payment infrastructure to streamline Bolt's operations.
- As part of the collaboration, Deutsche Bank, with its membership in the Visa and Mastercard networks, ensures financial efficiency and compliance with European data-and-cloud-computing regulations, while Silverflow's fintech services enable the smooth operation of the card acquiring services.
- The joint efforts of these industry leaders not only modernize European payment systems but also positively impact the growth and scalability of digital businesses in the continent, setting a precedent for future collaborations in the realm of finance and technology.
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