In e-commerce, the customer journey is full of friction. From the moment someone notices your brand to the final click to confirm a purchase, you’re navigating a minefield of micro-decisions and drop-off points.

You invest enormous time and resources to guide a shopper through this journey:

• Noticing your brand
• Visiting your website
• Engaging with your product
• Adding to cart
• Beginning the checkout process

And yet, after reaching the payment page, many checkout transactions still fail. 

On average 12% of online payment transactions are declined. Many of which often stem from system inefficiencies, not true fraud or insufficient funds. Banks and card networks like Visa, Mastercard, and Amex use sophisticated systems that are far from perfect. Many declines are false negatives that kill otherwise valid transactions.

The cost of inaction:

• Lost revenue
• Lost customers (most won’t retry after a failed payment)
• Damaged brand perception (customers blame you, not their bank)
• Higher customer acquisition cost (CAC)
• Lower customer lifetime value (LTV)

Our Solution: Post-Authorization Rescue

FlexFactor intercepts and reviews failed payments in real-time in ~1.5 seconds. We use enriched data like geolocation, IP, credit bureau insights, and behavioral fingerprints. If the transaction looks good, FlexFactor buys the invoice and reattempts the payment behind the scenes. The merchant gets paid, and the customers do not notice. 

Seamless for the Shopper

• No sign-ups
• No collections
• No confusion: your brand name stays on their statement
• No change to the checkout experience

More revenue for the Merchant:

FlexFactor typically recovers up to 30% of declined payments and delivers up to 20% net revenue increase in online sales. It works across all decline codes, including insufficient funds and do not honor. There is no cost to the customer, no merchant risk, no annual commitment—transaction-based model, simple integration of payment gateway, CRM, or checkout, and requires access to the decline API and a tokenized card.

Watch the presentation above for more details or book a demo to learn more.