Declines don't have to mean defeat
FlexFactor is Valor’s recovery engine that gives failed transactions a second shot. If a customer’s card gets declined for one of several eligible reasons, FlexFactor steps in to recover and process the payment – turning “Sorry, try again” into “Approved and done.”
We get it—declined transactions are annoying for everyone. That’s why FlexFactor exists: to quietly recover revenue you’d otherwise lose, without changing how you do business.
Detects eligible decline codes in real time.
Sends only the supported declines to FlexFactor.
Integrated with Valor POS and Virtual Terminal.
Recovers sales without extra effort from your team.
This is where the magic happens – on the terminal, right when it matters most.
Merchant taps Sale on the Valor POS.
Customer pays with credit or debit.
Processor
declines.
If the decline code can be recovered by FlexFactor, the terminal prompts to reroute.
If approved by FlexFactor → success + printed receipt.
If declined again → the receipt shows both error codes.
See how Valor’s integrated decline recovery engine helps businesses recover lost revenue by automatically reprocessing failed transactions in real time.
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