To begin recovering failed payments through FlexPay, your CRM must first be integrated with our platform. FlexPay offers two main integration methods: API post (such as Enterprise Integration, Enterprise with Scheduler, and Recovery Advisor) and flat file (Quick Start Recovery). Each method provides a unique approach to payment recovery, tailored to meet your specific needs. This guide will walk you through the available options, helping you determine the best fit for your system and ensuring a smooth integration process.

Enterprise Integration

In this payment recovery method, FlexPay functions as an invisible intermediary between your system of record and the payment gateway. When a retry attempt is initiated, it is routed through FlexPay to your native gateway. We analyze both your request and the gateway’s response, returning an enhanced response payload in real-time. If the transaction is declined again, our response will include a recommended Retry Date & Time. FlexPay continues to process each subsequent rebill attempt until the transaction is either approved, hard declined, or determined by our AI to be unrecoverable.

For details on how to integrate, please see the Enterprise Integration guide

Enterprise with Scheduler Integration

In this integration method, retry attempts are routed through FlexPay to your payment gateway. Similar to the standard Enterprise Integration, we analyze your request along with the gateway’s original response, generating and transmitting an enhanced payload. If a transaction is declined again, FlexPay evaluates the response and automatically schedules a new retry attempt on a future date, optimized by our recovery engine for the highest likelihood of approval. This scheduling and retry process continues, leveraging insights from our machine learning models, until the payment is either approved, hard declined, or deemed unrecoverable.

For details on how to integrate, please see the Enterprise with Scheduler Integration guide

Recovery Advisor Integration

In this integration method, FlexPay does not interact directly with your payment gateway. Instead, your CRM communicates with FlexPay via API, providing the details of transactions that have been declined by your native gateway. FlexPay analyzes the provided data and immediately returns a recommendation for the optimal time to retry the transaction in the future.

Quickstart Recovery

This integration method allows you to recover declined transactions by connecting to FlexPay’s servers via SFTP and uploading flat files with the relevant transaction data to a designated folder. FlexPay processes each transaction in the file, analyzing the data to determine the optimal retry date. We handle all communication with the payment gateway for each reattempt and provide a daily output file containing the results of the recovery process.

*These can be declines that have already been retried and abandoned by the merchant, or they can be fresh (i.e. new) declines.

**Transaction results will be exported regardless of status.

For details on how to integrate, please see the Quick Start Recovery Integration guide

Engage Recovery

The Engage Recovery integration method is an ideal complement to Invisible Recovery efforts. Once FlexPay's machine learning models determine that a payment is unlikely to be recovered, an Engage Recovery outreach campaign is initiated. This campaign leverages the principles of behavioral science to maximize the chances of payment recovery. Through a series of carefully crafted messages delivered via email and/or SMS, Engage Recovery aims to elicit emotionally positive responses from customers.

For details on how to integrate, please see the Engage Recovery Integration guide