#1 in Failed Payment
Recovery and Prevention

The AI-Powered technology solution for subscription businesses that increases revenue, decreases customer churn, and accelerates growth rates risk-free

FlexPay Invisible
Recovery™ Solution

Solving the biggest pain point for
subscription businesses

Maximizing subscription customer retention is a key priority. Increased customer LTV increases revenue and profits, and powers growth drivers such as increased acquisition budgets. Reducing the churn caused by failed payments is the number one challenge subscription businesses face because churn reduces revenue, profits, and customer LTV.

Credit card payment authorization systems decline an average of 24% of subscription service payment transactions, of which 2/3 are false declines. False declines directly create up to 48% of customer churn.

Causes of failed payments

  • Issuing banks lose over $35B from approvals on fraudulent transactions annually
  • Banks optimize for fraud loss avoidance, rather than maximizing legitimate payment approval rates
  • Payment authorization algorithms overcompensate for on-line fraud losses with higher approval hurdles for Card Not Present transactions 
  • Result is high rates of false declines, or declines on legitimate payment requests

Cost of failed payments to subscription businesses

  • 24% of subscription and recurring billing payment requests are declined
  • Merchants lose over $455B annually in lost revenue
  • Directly and indirectly cause up to 48% of subscription customer churn

Legacy payments tech stacks don’t account for this problem. The modern payments tech stack integrates FinTech solutions to solve for failed payments.


This tech stack results in a 24% payment decline rate which results in lost revenue and customer churn.


The modern three-tier payment tech stack incorporates payment authorization management and closes the failed payment gap.

FlexPay Invisible Recovery™ is the most effective FinTech solution to recover failed payments and avoid the indirect customer churn caused when failed payments become visible to customers


FlexPay Invisible Recovery on average collects in just 2.6 days what other recovery methods take 30 days to recover. Faster recovery avoids service or product delivery interruptions failed payments can cause, and increases cashflow.


FlexPay Invisible Recovery™ is an automated system that builds unique resubmission strategies for each failed payment, optimizing recovery results for the hundreds of potential reasons legitimate payment requests can be declined by card authorization systems. Customer awareness of payment failures is avoided in this recovery process, eliminating the churn created when customers become aware of failed payments.


  • AI platform powered by decades of payments industry expertise
  • Trained on over 5B payment records, including risk factors
  • Creates unique recovery strategies for each failed payment, adapting to the hundreds of reasons payments fail
  • FlexPay clients recover up to 75% of failed payments


  • Every recovered failed payment recovery for subscription businesses saves a customer, not just single payments 
  • Subscription customers continue to bill successfully after failed payment recovery, increasing LTV and generating months of additional revenue payments


  • Invisible Recovery™ avoids customer exposure to failed payments, recovering payments and avoiding the largest cause of indirect churn
  • Each recovered customer generates additional months of subscription billings, creating cumulative growth acceleration 
  • FlexPay clients earn up to 33% additional annual revenue from FlexPay’s customer recovery performance

Recovered Revenue Calculator

Calculate the additional revenue FlexPay can deliver
to your business with Invisible Recovery™

Merchant Account Health

Some failed payment solutions aggressively resubmit failed payments in ways that may temporarily increase recovery results. However, aggressive recovery tactics can increase merchant account risk factors, leading to higher rates, fines, and even account cancellation. Here are some examples of recovery tactics to avoid that can increase merchant account risk factors.  

  • Forced capture or forced deposits is a practice that resubmits payments requests on accounts where the pre-authorization was declined, or re-using another pre-authorization to break a payment into smaller pieces
  • Resubmitting transactions with hard declines

FlexPay maximizes failed payment recovery while avoiding recovery methods that threaten merchant account health. Plus, the FlexPay Invisible Recovery™ solution does not increase chargeback rates.

FlexPay Invisible Recovery™ works so fast and so effectively that, as far as the customer knows, the failed payment never occurred.

The powerful combination of Invisible Recovery™, and the highest recovery rates, makes FlexPay the ideal solution to help subscription businesses increase revenue, profitability, and customer satisfaction.