FlexFactor is a decline recovery platform. They can take over the recovery process for both CIT and MIT declines.

CIT stands for Customer Initiated Transaction. This is an initial sale, when declined will go to the FlexFactor Gateway.

MIT stands for Merchant Initiated Transaction. This is any recurring subscription, when declined, will go to the FlexFactor Connection when the merchant account is configured with FlexFactor as the Dunning Connection.

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Key Integration Details

1. FlexFactor will bypass any Vrio Dunning Schedule setup within the Vrio Offer for MIT decline recovery.
2. You can refund or void transactions in either Vrio or FlexFactor. If it happens in FlexFactor, Vrio will get a webhook and not process again, as well as count it as an external refund.
3. Chargebacks and Alerts for any transaction on a FlexFactor Merchant must be handled directly within FlexFactor - not Vrio. Learn more here

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FlexFactor Merchant and Payment Router Rules

A FlexFactor Merchant cannot be used in the Payment Router for available merchants. It can only be used to send initial declines to the specific FlexFactor Merchant. Learn more here.

Obtaining FlexFactor Credentials

The below credentials are required for both CIT and MIT transactions. CIT is setup as a Gateway where MIT is setup within a connection and that connection is associated with your merchant account.

1. To obtain your API Key & Secret, and MID ID and Site ID - login to your FlexFactor Account

   1. Select Developers

   2. Select API Key to obtain the following:

      1. MID

      2. API Key

      3. API Secret

         

   3. Navigate up to Sites to obtain the Site to be used

      

2. Ensure webhooks are enabled within FlexFactor. Webhooks required:

Initial Decline Recovery (CIT)

For FlexFactor to take over any CIT (initial decline), you must have an individual FlexFactor Merchant Account created. This must then be applied within your Payment Router on the "Advanced Routing" section for Initial Decline Reattempts. Follow the steps below to set up FlexFactor for CIT recover:

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Key Features to know

1. If the CIT is a subscription that goes through FlexFactor for recovery, on the subscription renewal the last attempted merchant within Vrio will take the renewals
2. Vrio wil

1. Navigate to Merchant

2. Select Add Merchant Account

   

3. Name your Merchant

4. Select Gateway: FlexFactor

5. Enter the credentials - these are obtained within your FlexFactor Account. See here.

   

6. Complete the setup by adding the Currency(s) and additional merchant details

7. Hit Submit

8. Navigate to your Payment Router

9. Select Advanced Routing

10. Enable:

    1. Auto Reattempt Initial Decline: Yes

    2. Auto Reattempt to Specific Merchant: Yes

    3. Auto Reattempt Merchant: Select the FlexFactor Merchant that was created

       

11. Hit Save

Any initial sale that declines, will be reattempted at FlexFactor.

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Webhook for FlexFactor

You will need to add a Webhook in FlexFactor to process chargeback events. Subscribe to the payment.chargeback.received event and set the URL to the URL provided on the Merchant account created in Vrio in the steps above.

Ongoing Decline Recovery (MIT)

For FlexFactor to take over any MIT (renewal decline), you must have an individual FlexFactor Merchant Account created. This must then be applied within your merchant account(s) section under Third Party Connection. Follow the steps below to set up FlexFactor for MIT recover:

1. Navigate to Setting

2. Scroll down to Connections -> Add New Connection

   

3. Choose the Dunning tab

4. Select Connect Now on the FlexFactor connection

   

5. Add required credentials, these are obtained within your FlexFactor Account. See here.

   

6. Set the Expiration Days. This tells FlexFactor how many days they have to recover this sale. If you are unsure, contact your FlexFactor account representative.

7. Hit Submit

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Retrieve the Webhook from Vrio to provide to FlexFactor

Once the connection has been created, open the FlexFactor connection within Vrio and the webhook is provided.

Add the FlexFactor connection to your Merchant Account(s):

1. Select your merchant

2. Navigate to the Third Party Connections tab

3. Select the Dunning Connection, which will be the FlexFactor connection added

   

4. Hit Save

Any declined renewal on that merchant account will be passed to FlexFactor for reattempt recovery. Vrio will be notified if the sale is successful or declined for reporting.

Disputes

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Disputes on FlexFactor

Any dispute and/or refund or void that occurs on a successful FlexFactor account, is required to be marked within FlexFactor.

Vrio will be updated for reporting purposes, but the adjustment must happen in FlexFactor since this is a FlexFactor transaction.

Voids, refunds, alerts and chargebacks that occur on sales that occurred within FlexFactor's platform will need to be marked in FlexFactor. Vrio will get a webhook to report on all disputes and refunds, but the trigger needs to happen within FlexFactor.