Our Story

We used to have the same problem. Now we solve it

Before we were FlexPay, we were online merchants. We were selling subscription products direct to consumers and knew that selling online came with risks and costs. Our decline rates were through the roof, so we decided to take care of this problem ourselves.

We have a deep and long history with both acquiring and card issuing banks. This is how we understand the systems that control the transaction approval processes within issuers for CNP transactions, known as a “risk decline system”.

We built an AI-Driven software that analyzes the attributes of billions of transactions in order to save money in chargebacks and it ended up massively lowering our churn!

We’ve been there and we get it. Online credit card transactions are declining at a horrendous rate. On top of that, there’s chargebacks, low approval rates, and high processing costs that we all need to worry about.

We fixed our problems – let’s solve yours!