Processing credit card payments can be problematic

Online transactions are less likely to get approved. We know how to fix that!


Our systems set a baseline and analyse your transactions to see what makes your traffic unique

Machine Learning

Then we set forth the Machine Learning Models that we've been iterating for years to determine how to get an approval

Winning Together

Our pricing model ensures you always come out ahead - we only charge on the incremental lift we generate for you

Failed payments result in lost customers.

We help you keep them.

Recover credit card declines automatically with FlexPay’s AI

Every transaction contains a number of risk properties and reasons why banks decline online payments. Our AI considers the risk and value of each transaction using over 100 data points to best determine when, where, and how to process each transaction.

Our recovery engine is easy to use and is certified with over 120 payment processors. New information is collected and analyzed from each transaction to increase approval and reduce churn.

Our team understands the challenges you face with card not present (CNP) transactions; we used to be merchants ourselves. And we have a long history of partnering with acquiring and issuing banks. This is how we understand the systems that control the transaction approval processes.

Featured Writeups


Client Feedback

Here's what our clients say about working with us
365 Holdings

365 Holdings

"We basically did nothing on our end besides sign the contract, and then we just sat back and watched as both monthly revenue and bottom line profit increased immediately. I absolutely recommend FlexPay to anyone."

Masivo Media logo

Masivo Media

"Before learning about FlexPay, we didn’t even know that decline-salvage firms existed, to be honest. When we learned that FlexPay’s fees are only charged on additional recovered customers, it was an easy decision for us. I tell everybody that will listen to us to use FlexPay - we’re big fans.”
- Noam Egosi, President

Trister Marketing Group

Trister Marketing Group

"Thank you for making it painless, pleasant and most of all hassle free! I am so pleased with this product. Dude, your stuff is great! I will refer everyone I know."
- Anthony Trister, President


Check out our latest articles

On-Demand Recovery

February 24, 2021 by: Nick De Guise On-Demand Recovery: What is it? We offer On-Demand Recovery for customers to test our failed payment recovery solution before completing an integration with our API. On-Demand Recovery involves the customer sharing a file that contains a history of Read more…