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Payments rejected? Challenge accepted.

FlexFactor is the only platform that seamlessly recovers both one-time and subscription payment declines in real-time, delivering up to 20% annual revenue increase without risk.

As an ecommerce business, you’ve built a best-in-class payments stack – but still see 10% to 20% churn due to payment declines. You’ve thrown a few optimizations in and accepted such declines as a cost of doing business – inevitable.

However, payment declines aren’t just lost transactions – they’re lost customers with missed engagement points, no referrals, and lost LTV.

These represent vital customer relationships and marketing investments which evaporate at checkout.

False declines are a real problem for ecommerce

For every declined transaction:

  • Marketing spend is wasted
  • Customer acquisition costs multiply
  • Brand loyalty isn’t established

When over 60% of customers abandon their purchases after a payment decline, and 70% of those who abandon never return despite every effort to re-target, the true cost extends far beyond the initial lost sale.

10-20%

of sales are lost to non-fraudulent declines

60%+

of consumers won’t retry payments after decline

$150Bn+

lost sales for US ecommerce in 2023

FlexFactor approaches the problem differently

Traditional payment stacks stop at optimization. Traditional fraud tools stop at detection. Traditional subscription solutions stop at retrying failed payments.

FlexFactor applies a series of innovations to address the problem differently. Of note, it requires no changes to your existing checkout flow. With a seamless one-click integration available through many common payment solutions, merchants can quickly benefit from the FlexFactor approach.

FlexFactor applies the latest AI/ML models, along with its proprietary acceptance solutions, to assess the underlying reasons for the decline in real-time, with the aim to identify and rescue those genuine transactions in real-time. The platform uniquely handles both ecommerce purchase (CIT) and subscription (MIT) transactions, providing comprehensive coverage across all decline codes.

For each decline deemed curable, the platform steps in to approve the transaction. This allows the merchant to complete the order on the spot, ensuring a positive consumer experience with no credit risk to the merchant.

FlexFactor AI/ML

Real-time Intervention

30%

Approval Rate Increase

Customer

Fraud Check

Payment

Bank

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Complete

Interested in learning more about the FlexFactor solution?

Invisible, frictionless customer experience

For each decline, FlexFactor applies the latest AI/ML models to assess underlying reasons for the decline in real-time. If the platform determines the decline is curable, it steps in to approve the transaction, allowing the merchant to complete the sale on the spot, with no risk to the merchant.

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Seamless: No friction, prompts, or registration needed

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Performance: Real-time recovery for all declines, on checkouts and subscriptions

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Win-Win: No added cost to the consumer, and no risk to the merchant

The AcceptIQ Platform: A decline recovery platform built for speed and scale

AcceptIQ is FlexFactor’s award-winning decline recovery engine, combining advanced AI/ML with real-time decisioning to transform failed payments into completed sales. It represents the cutting-edge of what’s possible in data science and payment optimization, and continuously raises the bar every day.

Key Capabilities:

  • Real-time intervention at the moment of decline
  • Frictionless recovery without customer interaction
  • Complete coverage across all decline codes

The platform is best integrated via our growing number of pre-integrated gateways, eCommerce platforms, and checkout partners. They offer a one-click solution to get going within a few minutes once your account is approved.

Interested in learning more about the FlexFactor solution?

Impact & Results

Merchants who’ve benefited from our platform report:

Up to 30% reduction in payment decline rates

Up to 20% increase in annual revenues

Up to 2-3x improvement in customer lifetime value

For every $100M in your pre-FlexFactor revenue:

Up to $5M recovered from direct sales

Up to $25M generated from retained customers

Up to 20% total annual revenue increase

The FlexFactor promise

When partnering with FlexFactor, merchants engage with the premier solution for payment decline recovery:

  • Implementation measured in minutes, not months
  • No changes to your existing checkout flow
  • No cost or negative experience passed to your customers
  • No risk to your business
  • Full coverage of both one-time and subscription payments
  • Dedicated customer success team

Who we serve

Industry leaders trust FlexFactor to maximize their revenue and retain customers. Our platform serves sophisticated enterprises across key verticals:

Ecommerce & Retail

  • Digital-first brands
  • Omnichannel retailers
  • Marketplace platforms

Subscription & Services

  • SaaS providers
  • Digital content platforms
  • Subscription box services

Through partnerships with leading payment providers and ecommerce platforms like Spreedly, OpenPath, Braintree, and BigCommerce, we deliver seamless integration and immediate value to merchants of all sizes.

Ready to turn payment declines into revenue?

See how FlexFactor can impact your bottom line.