Revaly (formerly FlexPay) is a Montreal-based e-commerce platform. The company uses machine learning to help online merchants reduce false credit card decline rates. FlexPay helps merchants figure out the best time, transit, and testing process to handle their transactions. Their decline salvage solution has the capacity to deal with hundreds of millions of transactions in a given month and is built with a statistical algorithm that is able to collect and analyze new information gained at every transaction.