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A customer's payment just failed.
No-one knows.

Flow Arc is payment recovery for UK small businesses. Stop losing card revenue to failures you never see.

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Built in the UK · A Nexabyte product

Every month, card revenue walks out the door, and no-one notices.

It's never just one charge. A handful of silent failures a month adds up to real money over a year, and most of it gets written off because nobody saw it in time.

  1. 4:37pmA customer's £248 payment fails.No alert reaches you. No message reaches the customer. The failure is invisible to everyone who could do something about it.
  2. 4:38pmIt sits there, quietly.You're not watching a payment dashboard at 4:38pm on a Tuesday. You're doing the actual work. The failure waits.
  3. + 3 weeksMonth-end finds a gap.Reconciliation finds the missing £248. The customer has long since moved on. It quietly joins the year's written-off column. Multiply by twelve months.

Flow Arc turns silent failures into recovered revenue.

Three things change the day Flow Arc starts running.

  1. 01

    You'll know within seconds, not weeks.

    Every failed card payment lands in one place the moment it happens, with the customer, the amount, and the reason.

  2. 02

    Recovery runs without anyone in your business chasing it.

    When the customer needs to try again, Flow Arc sends a follow-up in your business's name. When the first provider doesn't get the charge through, the same payment runs through your backup provider, in the background. Either way, the money comes back without anyone writing an email.

  3. 03

    You'll get a number that earns its budget.

    Every month, one figure: revenue you recovered that would otherwise have been lost.

Two ways to get a failed payment back.

Most failures fit one of two patterns. The customer needs another go at it, or a second provider can get the charge through. Flow Arc handles both, automatically.

Scenario 01

When the customer needs another go.

Card expired. Insufficient funds. A 3D-Secure prompt that timed out. The kind of failure where the customer has to do something on their end to fix it.

  1. 1

    Flow Arc catches the failed charge and sends a reminder via email and SMS. Your business name on it, not ours, in your voice.

  2. 2

    They open it on their phone and complete payment. No back-and-forth with you, no awkward 'your card was declined' email to write.

  3. 3

    The money lands. You see the recovery in your feed, in the monthly figure, and in your bank account.

The win: the chase happens automatically, without anyone in your business writing a single email.

Scenario 02

When a second provider gets the charge through.

A brief blip. A connection that drops part-way through. The kind of failure that's nothing to do with the customer's card or their bank — and that one provider, on its own, will write off.

  1. 1

    Flow Arc reruns the same charge through your backup provider, automatically.

  2. 2

    The second attempt succeeds. Same customer, same amount, different provider. The customer never sees there was a problem.

  3. 3

    You see the recovery, and which provider caught it, in your feed.

The win: a second provider catches what the first one drops.

On average, this much a year quietly leaves a UK small business to late and missed payments.

£17,000per business, per year.

Some of it is invoices that take six months to land. Some of it is recurring card charges that fail without anyone noticing in time. Most of it gets written off because by month-end it's too late to chase.

Card declines are part of that figure. Flow Arc's job is to drag that part back into your bank account, before the customer has moved on.

Source: Department for Business and Trade / London Economics, Late Payments Research, 2025.

Late and missed payments are already costing UK small businesses time and money.

Flow Arc focuses on the bit that nobody's tooling for: the card payments that quietly fail before anyone has a chance to chase them.

£17kAverage amount owed to each affected UK business, per year.DBT / London Economics, 2025.
1.54mUK businesses affected by late payments in 2025.DBT / London Economics, 2025.
86 hrsAverage time per affected business, per year, spent chasing unpaid invoices.Office of the Small Business Commissioner, 2025.

See what you've been losing, inside a month.

Connecting Flow Arc takes hours, not weeks. By month-end you'll have the first number in your hand.

  1. Day 0

    Connect your payment provider.

    Bring an existing Stripe or other supported account. No new merchant account — keep what you have.

  2. Day 3

    A silent failure stops being silent.

    The money comes back. You see exactly how it happened — which provider caught it, which customer, how long it took.

  3. Day 30

    Your first monthly figure.

    One number, on the first of next month. The figure you show your accountant or your board to prove Flow Arc earned its keep.

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