We fix the of eCommerce credit card declines.

Your unprocessed transactions are costing your business.

Salvage your transactions now.

How is FlexPay unique?

These three factors give FlexPay its superpowers.

FlexPay is based on the real-world experience we've gained from processing millions of dollars a month in card not present credit card transactions.

With FlexPay, everyone wins, your business makes more money, the banks make more money and the consumer experience is hassle free.

FlexPay’s Enhanced Payment Gateway mitigates against CNP decline salvage problems with proprietary statistics-based, risk-balancing strategies.

While our competitors offer decline salvage and rudimentary risk balancing, they all use cumbersome rules based systems that bog down systems over time. FlexPay’s machine learning considers the risk and value of each transaction to tailor a combination of actions on where, when and how to execute them successfully.

Often, there is very little difference between an approval and denial.

FlexPay manages your transactions on a case by case basis, making the best decision on routing and timing to tip the scales and boost approval ratios, lowers transaction fees, reduces chargebacks, and balances risk across banking assets, all while removing a potential single point of failure. A better approval rating minimizes future card declines, improves your customer experience and optimizes your revenue stream.

We help eCommerce merchants reduce churn from credit card payments.

Flexpay helps you minimize false declines from good customers.

Salvaging the 18% blackhole of unprocessed transactions

Consumer credit cards processed in a card not present (CNP) environment decline anywhere from 10-45%, with the average being 22%. The same accounts in a card present (CP) environment typically decline 2-9%, with the average being 4%. This 18% gap creates needless churn for eCommerce merchants, and dramatically impacts customer lifetime value, particularly for continuity sales. Add to this increased chargebacks, lower approval rates, and higher processing costs—inherent to CNP transactions—and it’s easy to see how Flexpay can add significantly to your bottom line by salvaging this 18% blackhole.