Minutes to Integrate, Millions to Recover.

The first and only AI-Powered solution that prevents, reverses, and recovers false payment declines in real-time — powering both one-time purchases and subscriptions

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Trusted to deliver results by the most innovative brands

FlexFactor delivers  unmatched approval rates

Real time decisioning

Complete customer orders despite the payment decline, allowing checkout success on the first attempt.

Frictionless experience

Deliver a seamless customer experience: no prompts, no re-entering of payment details, no registration

Full decline coverage

Solve all types of declines, including insufficient funds, for both ecommerce and subscription payments

Instant ROI

Deploy in minutes, and immediately enjoy increased checkout conversion, customer retention, and LTV

Explore our solution

Declines should no longer be the cost of doing business

The average ecommerce merchant loses 10-15% of their orders to payment declines. It’s considered acceptable but this means considerable financial loss when factoring in lost customer acquisition costs and customer lifetime value.

FlexFactor assesses each decline in real-time and seamlessly transforms a false decline into a completed purchase, delivering up to 20% annual revenue increases to ecommerce merchants.

Why FlexFactor

Award-winning solutions built on deep expertise

Top 50 Retail Tech Innovators 2025
Most Innovative Product 2024
Top Global FinTech Innovations 2023
Top 100 Retail  Innovations 2024
Best Payments Innovation 2024

Ready to end false payment declines? Book your free demo today

Learn and delve deeper into FlexFactor

FlexFactor and Valor PayTech Partner to Maximize Merchant Revenue and Reduce Payment Declines

Spreedly and FlexFactor Partner to Transform Payment Declines into Revenue Recovery

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FlexFactor and OpenPath announce partnership to revolutionize decline recovery in e-Commerce