FlexFactor is a decline recovery gateway. It never originates a sale of its own — Vrio only ever hands it a transaction that has already been declined somewhere else, and the previous attempt is sent with the order so FlexFactor can judge it.

That shapes where it fits. A FlexFactor merchant is not attached to a campaign and is not added to a payment router's available merchants, because neither of those is a decline. Instead you place it at one of the two points where Vrio already has a decline in hand:

A checkout decline — as the reattempt merchant on a router's initial decline reattempt, salvaging the sale while the customer is still in checkout.
A renewal decline — through the FlexFactor dunning connection, which recovers failed renewals on its own schedule.

The checkout decline merchant is configured under Setup below.

Supported Functionality

Feature	Supported
Authorization	✅
Capture	✅
Refund	✅
Void	❌ Full refund issued
Card Tokenization	❌
Dynamic Merchant Descriptors	✅
3D Secure	✅ Pass your own
$0 Transactions	❌

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FlexFactor can only be used in Vrio as a reattempt merchant and not for the first attempt. Please refer to this guide for more information.

Setup

To connect a Merchant using the FlexFactor Gateway,

First add Merchant
Select FlexFactor as the Gateway
Add Gateway Details as outlined below

Gateway Details	Description
Api Key*	provided by FlexFactor
Api Secret*	provided by FlexFactor
Mid*	provided by FlexFactor
Site ID*	provided by FlexFactor
Sandbox	Check this box if these are sandbox credentials. When checked, requests are sent to the FlexFactor sandbox environment.
Pass Merchant Descriptor	When checked, the merchant descriptor set on the Merchant Account is sent to FlexFactor with the charge. See Dynamic Merchant Descriptors.
Merchant Payment Methods*	The types of payment methods this merchant accepts — credit card only.
Merchant Card Types*	Card types to be accepted on this Merchant
Merchant Default Currency*	Default currency that will be used, if currency is not specified
Merchant Currencies*	All currencies accepted on this merchant

*Required

Recovering an initial decline

Salvages a checkout decline while the customer is still in the checkout process.

Add the FlexFactor merchant as above
Open the router and go to the Advanced Routing tab
Check Reattempt Initial Declined, then Reattempt on a specific Merchant
Select the FlexFactor merchant

See Initial Decline Reattempts for the full set of reattempt options.

Recovering a renewal decline

Renewal declines are recovered through the FlexFactor dunning connection, not through the merchant configured above. The connection runs on its own schedule and is set up separately.

Supported Payment Methods

Credit Card

Void

FlexFactor has no void operation.
Voiding a transaction in Vrio issues a full refund of the original charge instead.

Card Tokenization

FlexFactor does not store cards. Card data is sent on every charge.

Dynamic Merchant Descriptors

When Pass Merchant Descriptor is checked, Vrio sends the Merchant Account descriptor with every charge, or a merchant_descriptor passed when the order is processed, which is then reused for that order's renewals.
If the order later moves to a different merchant, that merchant's descriptor is used instead.

3D Secure

FlexFactor accepts 3D Secure authentication data that you generate with a third party provider. Values are sent whenever authentication data exists on the order for the cycle being charged.

Vrio	FlexFactor
`order_eci`	`threeDSecure.ecommerceIndicator`
`order_cavv`	`threeDSecure.authenticationValue`
`order_xid`	`threeDSecure.xid`
`order_cardholder_auth`	`threeDSecure.authenticationResponseStatus`
`order_3ds_enrollment_status`	`threeDSecure.enrolled`
`order_3ds_version`	`threeDSecure.threeDsVersion`
`order_3ds_ds_transaction_id`	`threeDSecure.directoryServerTransactionId`

See Third Party 3DS Providers for the full parameter reference.

Testing

Note : Placing test orders using FlexFactor test cards will not automatically set the order as a test in Vrio. Be sure to flag the order as a test using the is_test flag after the order is processed. For more details on placing test orders, click here.

For FlexFactor test cards, check here.