# FlexFactor

> FlexFactor provides AI-driven payment decline recovery for ecommerce and subscription merchants. Its AcceptIQ engine assesses failed transactions and, for approved recoveries, FlexFactor can purchase the invoice, pay the merchant and assume customer collection risk. It earns a percentage of recovered revenue.

- **Founded:** 2022
- **Headquarters:** New York, United States
- **Founders:** Elio Vitucci (Co-Founder, Non-Executive Director; formerly CEO), Ze’ev Shoval (Co-Founder, Chief Commercial Officer)
- **Products:** AcceptIQ, FlexFactor Stripe app, Merchant Portal and APIs
- **Notable:** Announced a $16.8 million Bessemer-led Series A in October 2024., Selected for the 2025 NRF Innovators Showcase, according to company announcements., Reported six finalist selections at The Card & Payments Awards US 2026; winners were scheduled for November 17, 2026.

## Products & services

- **AcceptIQ** — AI/ML decline assessment and recovery for one-time ecommerce and recurring payments; eligible invoice purchase and risk assumption.
- **FlexFactor Stripe app** — Stripe Dashboard app for failed-payment recovery, customer insights and recovery metrics; supports Stripe Subscriptions.
- **Merchant Portal and APIs** — Order monitoring, refunds, reconciliation, settlements, credentials and integration tools.

## Achievements

- Announced a $16.8 million Bessemer-led Series A in October 2024.
- Selected for the 2025 NRF Innovators Showcase, according to company announcements.
- Reported six finalist selections at The Card & Payments Awards US 2026; winners were scheduled for November 17, 2026.
- Reported more than 100 live merchants and typical recovery of 15-20% of eligible declines, with observed results of 5-30%, in its 2026 awards article.
- Company-published ARCS Self Defense case study reports 29.1% recovery of failed first-time subscription purchases and more than $18,000 recovered over a few months.

## Latest updates

- **2026-09** — Company announced six US Card & Payments Awards finalist selections and reported more than 100 live merchants.
- **2025-07** — Rehman Baig discussed FlexFactor’s merchant-of-record recovery model on Glenbrook’s Payments on Fire podcast.

## Links

- Website: https://flexfactor.io/
- LinkedIn: https://www.linkedin.com/company/flexfactor

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Profile page: https://yespress.io/flexfactor
Published by YesPress — https://yespress.io
Last updated: 2026-10-05