To take ownership of our clients’ payment performance, maximizing authorization rates, recovering failed payments, and growing revenue from the customers they already have. Like a dedicated payments team, built into your stack.
No sale, rebill, or refund goes unreconciled. If something drifts between you and your gateway, we find it before your customer does.
A decline code is not an answer. You get the real reason, who owns it, and what we are doing about it.
Failed payments are not accepted as churn. Smart retries, gateway failover, and card freshness keep legitimate revenue from walking away.
The vault turns approved customers into repeat revenue: one-click repeat purchases and upsells, without asking for a card again.
Every day, legitimate payments fail quietly: an issuer declines a good customer, a rebill hits an expired card, a retry fires at the wrong moment, and a sale you already earned walks away. Between the gateway, the processor, and the merchant, no one actually owns the outcome.
Flo exists to own it. Our automations reconcile every transaction, our AI reviews every failure, and our team acts on what they find: retrying, rerouting, recovering, and reporting back. It should feel like having a dedicated payments team whose only job is to make sure you earn more revenue from the customers you already have.
And that ownership is about to become existential. The next wave of commerce will be executed by AI agents transacting in milliseconds, and an agent can’t retry a decline, update a card, or argue with a 3DS challenge. The rails we’re building to maximize your authorization rates today are the same rails agent-led commerce will run on tomorrow.
Store payment methods in a PCI-compliant, processor-neutral vault so you can protect recurring revenue and route future payments with greater flexibility.
Learn moreRecover eligible failed rebills with decline-aware retries, fresh saved credentials, and lifecycle state you can trust.
Learn moreAct on early dispute alerts with payment matching and automatic refund rules to prevent avoidable chargebacks.
Learn moreWe are accepting Launch Partners now: merchants, investors, and partners who want a payments team taking ownership of their revenue from day one.