Flexifai Implements AI-Powered Routing Engine, Boosting Payment Conversion by 30 Percentage Points in Ghana
Introduction to Flexifai’s AI Routing Engine
Flexifai, a specialist in payment solutions for challenging markets, has introduced an AI-driven routing engine designed to enhance transaction approval rates in developing economies. Following the rollout, a digital operator in Ghana saw their payment conversion rate soar from 43% to 73% within just one month, all without altering their product design or checkout process.
Key Features Driving Conversion Improvements
This significant uplift stems from three integrated functionalities: intelligent routing that chooses payment channels based on real-time performance metrics such as authorization success and processing speed; cascading logic that automatically switches to alternate payment providers when failures occur; and an automated retry system that attempts declined transactions again before customers abandon their sessions.
Addressing Ghana’s Unique Infrastructure Challenges
The Ghanaian market posed particular infrastructure hurdles, mainly because mobile money systems there lack the advanced fraud detection frameworks typical of card-based payments. This gap made it difficult to identify fraudulent behaviors, such as one user cycling through numerous phone numbers or email addresses, at the payment provider level.
Innovative Fraud Detection and Response
To combat this, Flexifai developed alert mechanisms focused on key data points closely linked to fraud risk, including customer phone numbers, email addresses, and the order in which this data was received. This strategy allowed for large-scale pattern detection and generated structured reports, enabling operators to spot potentially risky users and respond effectively.
Expert Insights on Market Adaptability
According to Sofiia, Flexifai’s Head of Sales, “The growing digital economy in Ghana is paired with unpredictable payment infrastructure. Real-time adaptive routing technology is not just an added feature—it is fundamental to maximizing conversion in such markets.”
Expanding Success Across Africa
Flexifai has since applied the same AI-driven approach in Kenya and Zambia, where mobile money ecosystems face similar fraud detection challenges. There, data-based pattern recognition has helped create proactive fraud prevention in environments where conventional payment service provider tools offer limited insight.
Advanced Signal Processing for Enhanced Routing
The AI engine analyzes a wide array of signals such as device types, IP addresses, geographic risk indicators, banking activity patterns by time of day, characteristics of issuing banks down to the BIN level, and real-time transaction gateway loads.
Global Reach and Payment Method Support
Currently, Flexifai supports over 80 local payment options globally, including regions like Africa, Europe, Latin America, Australia, Canada, and New Zealand. In Africa, their network covers mobile wallets such as OPay, PalmPay, MTN MoMo, Airtel, alongside USSD channels, agent networks, instant bank transfers, and open banking services. The company operates on-site teams in Lagos and various locations across Latin America to ensure localized expertise.
Ongoing Development and Platform Growth
The routing platform remains active and continuously integrates additional data sources and payment providers as it expands its capabilities.
About Flexifai
Flexifai is a payment infrastructure company powered by artificial intelligence, focusing on markets characterized by high friction and emerging economies. Their offerings include smart routing, cascading payment processing, real-time payouts via partners in 150 countries, and broad coverage of local payment methods across Africa, Latin America, Europe, and the Asia-Pacific. Flexifai maintains physical operations in Africa and Latin America to support merchants with specialized market knowledge.
