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The industry’s first complete decline recovery platform

Payment declines represent the largest untapped revenue opportunity in ecommerce.

While others talk about payment optimization, we deliver a path to unlock revenue through decline recovery at scale.

Market leadership

In an industry focused on payments optimization and fraud prevention, FlexFactor stands alone in its approach to decline recovery. As the only platform which seamlessly handles both one-time purchases and subscription payments, FlexFactor operates at a scale processing billions in transaction volume.

From our launch in 2022, FlexFactor has consistently pioneered new approaches to decline recovery. Our growth trajectory reflects the massive market need and our unique ability to solve what others deemed impossible.

Our innovation is recognized across the payments industry

Built by industry veterans from Experian, Adyen, Square, and Worldpay, we combine deep expertise in both payments and credit risk – a unique intersection that enables us to see opportunities where others see declines.

The FlexFactor difference: 
Actions vs. words

The payments ecosystem is crowded with solutions that analyze and recommend. FlexFactor’s approach is different through definitive action. 

We don’t just tell you what might work – we deliver results through direct risk assumption and real-time intervention.

Partial competitors

Provide risk scores

Suggest optimization strategies and signals based on dunning cycles

Limited to subscription transactions

Retry failed payments with ‘OK’ results

Hammer your existing MIDs, adding cost and reducing their quality

FlexFactor

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Adds percentage points to your revenues

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Takes action to recover declines in real-time

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Works for both real-time purchases and subscription transactions

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Assumes all credit risk

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Does not impact or utilize your MIDs

This isn’t just another tool in a merchant payments stack – it’s the ultimate revenue safety net backed by sophisticated technology and real financial commitment.

Why merchants choose FlexFactor

Zero risk, pure upside

FlexFactor only takes a small percentage of recovered revenue, with no additional SaaS fees. When we approve a transaction, the approval represents a rescued customer, and rescued revenues which would have otherwise been lost.

Cascading revenue impact

Our platform consistently delivers results that transform payment declines from an accepted fact-of-life into a newly-tapped revenue driver. Every recovered transaction creates a ripple effect of value:

Immediate value

Implementation is measured in minutes, not months. No changes to your checkout flow. No technical debt. Just unlocked revenue growth.

Complete coverage

FlexFactor offers the only platform which recovers both ecommerce purchase and subscription transactions. This comprehensive approach means no revenue opportunity is missed.

Enterprise-Grade
 architecture

FlexFactor was built for the world's most demanding enterprises

Integration Layer

Payment Gateways • eCommerce Platforms • One-Click Deploy

Security Layer

PCI Level 1 Certified • ISO27001 Certified • Real-time Monitoring

Processing layer

Sub-second Processing • Load Balancing • Auto Scaling

Infrastructure layer

Multi-region Redundancy • 99.99% Uptime • Auto Fallover

The FlexFactor merchant experience

When you choose FlexFactor, you’re choosing the premier solution backed by a dedicated team

Dedicated success team

24/7 global support coverage

Regular business reviews

Continuous optimization

Real-Time analytics

Detailed recovery metrics

Revenue impact analysis

Integration health monitoring

Ongoing optimization

Regular performance reviews

Market trend analysis

Strategic growth planning

Ready to capture your share on revenue from payment declines?

Schedule a demo to learn how we can transform your payment declines into added revenue.