Service Segment
Target market
Darryl Hicks


FlexPay is an AI-driven decline salvage platform. It uses advanced machine learning models to intelligently determine the best way to recover declined transactions. Currently, the platform recovers an average of 30–50% of all declined transactions.

FlexPay saw that payment processing got problematic in transactions where the card wasn’t present. These declined payments ended up costing many online vendors 15%, 23%, or sometimes more than 30% of their income.

To combat these high decline rates, FlexPay developed an enhanced, AI-powered payment gateway to process card not present transactions. By leveraging machine learning, they were able to improve approval ratios, lower transaction fees, and reduce chargebacks, ensuring smoother transactions for consumers, better incomes for vendors, and higher interchange revenue for financial institutions.