How does Flex work?

Customer Initiated Transactions

Customer initiated Transactions (CIT) are straight sales (or standalone transactions) where customers initiate payments through a checkout page for products or services they wish to acquire.

In order to rescue these transactions, Flex must be integrated in the checkout as well as in the merchant's back office.

	1. The customer is willing to complete a purchase and proceeds to check out to provide their details and payment info. If the payment transaction is accepted, Flex remains invisible.
	2. The payment transaction is declined but, instead of showing a decline message, the failed payment transaction is sent immediately to Flex.
	3. Flex assesses the failed payment transaction. Eligible transactions are confirmed by Flex within a couple of seconds.
	4. The payment transaction is accepted via Flex. The process is frictionless and the customer is unaware that their original payment transaction failed.
	5. The order is completed. The customer receives a merchant-branded email confirming the order.
	6. The customer payment method is charged. This is done by Flex using a smart descriptor feature, ensuring that the merchant's name is displayed on the customer's statement.

⏱️

CIT are rescued in real time

Customer will have a quick answer for their payment request.

Flex will provide a definitive status within seconds.

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Merchant Initiated Transactions

Merchant Initiated Transactions (MIT) are recurring subscription rebills, that can be rescued by Flex.

In order to rescue these transactions, Flex must be integrated in the merchant's back office.

	1. The recurring payment transaction is declined, instead of reaching out to the customer, the failed payment transaction is sent to Flex for a period of time.
	2. Flex assesses the failed payment transaction. Flex will work on this transaction for a certain amount of days/weeks.
	3. The payment transaction is accepted via Flex. Merchant's back office is updated.
	4. The customer payment method is charged. This is done by Flex using a smart descriptor feature, ensuring that the merchant's name is displayed on the customer's statement.

⏳

MIT are rescued asynchronously

Flex will work on these transactions in an async way. This duration (days, weeks) is up to your configuration.