--- description: Roi Lagziel is a payments engineer specializing in authorization optimization, retry strategies, and issuer-level behavior. His work focuses on building... title: Roi Lagziel - SmartRetry image: https://cdn.smartretry.com/cdn-cgi/image/width=1200,height=630,quality=85,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fog-image.0z0q4_5kazzzo.jpeg --- [Skip to main content](#main-content) ## Join our newsletter! Real strategies to recover lost revenue - straight to your inbox Email address Subscribe ![Roi Lagziel](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fsecure.gravatar.com%2Favatar%2F1254b13a4046ec9afd9201af95f94ee86855795acf38e0112ef0752cd44e4ab2%3Fs%3D96%26d%3Dmm%26r%3Dg) Author # Roi Lagziel [![LinkedIn](https://cdn.smartretry.com/cdn-cgi/image/width=32,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flinkedin.09sdc8tnlrn4a.svg)Find me on Linkedin](https://www.linkedin.com/in/lagziel) Roi Lagziel is a payments engineer specializing in authorization optimization, retry strategies, and issuer-level behavior. His work focuses on building practical, data-driven systems that help payment teams reduce false declines and recover lost revenue. --- ## Articles 23 articles [![Digital Invoice Processing and Payment Optimization in Modern B2B Commerce](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F08%2Fdigital-invoicing-b2b-payment-optimization.jpg)GeneralDigital Invoice Processing and Payment Optimization in Modern B2B CommerceThis article explains how integrated digital invoicing, richer transaction data, and smarter routing help payment teams reduce failed payments, improve cash flow, and recover more revenue with less manual effort.August 4, 2026 By Roi Lagziel](/blog/digital-invoicing-payment-optimization) [![How to Avoid Payment Declines at the 2026 FIFA World Cup](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F05%2F2026-FIFA-World-Cup.webp)GeneralHow to Avoid Payment Declines at the 2026 FIFA World CupThis article explains how merchants can reduce cross-border declines during the World Cup through smarter routing, richer auth data, and recovery tactics that protect revenue and lift approval rates.May 9, 2026 By Roi Lagziel](/blog/world-cup-2026-payment-declines) [![Why Transaction Approval Rate Is Misleading and What Payment Teams Should Measure Instead](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F04%2Fimage.jpg)Payment Approval OptimizationWhy Transaction Approval Rate Is Misleading and What Payment Teams Should Measure InsteadThis article explains why blended approval rate can distort payment decisions and how teams can use recovery, cohort, and retry metrics to protect revenue and reduce false declines.April 16, 2026 By Roi Lagziel](/blog/payment-approval-rate-kpis) [![Merchant Discount Rate Explained: How Payment Teams Can Reduce Costs and Improve Approvals](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F03%2Fimage-108.jpg)Payment Trends & Industry InsightsMerchant Discount Rate Explained: How Payment Teams Can Reduce Costs and Improve ApprovalsThis article explains how MDR is built, what drives payment acceptance costs, and which operational levers help PSPs and merchants lift approvals, reduce false declines, and protect margin.March 18, 2026 By Roi Lagziel](/blog/reduce-merchant-discount-rate) [![Unlocking the Black Box of Travel Virtual Card Declines](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F08%2Ftravel-virtual-card-decline-optimization.jpg)Payment Approval OptimizationUnlocking the Black Box of Travel Virtual Card DeclinesThis article breaks down why travel virtual cards fail at hotels and what payment teams can do to reduce friction, recover valid transactions, and protect booking margins through better approval performance.March 8, 2026 By Roi Lagziel](/blog/virtual-card-approval-rates-travel) [![Decoding the MiCA License: How Crypto Regulation Reshapes Payment Approvals](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F03%2Fimage-87.jpg)Payment Trends & Industry InsightsDecoding the MiCA License: How Crypto Regulation Reshapes Payment ApprovalsThis article explains how MiCA helps crypto merchants and PSPs translate compliance into stronger issuer trust, smarter authentication, and better payment approval performance across regulated flows.March 8, 2026 By Roi Lagziel](/blog/mica-regulation-payments) [Show more](/authors/roi-lagziel?page=2) ```json {"@context":"https://schema.org","@type":"Person","@id":"https://www.smartretry.com/authors/roi-lagziel","name":"Roi Lagziel","url":"https://www.smartretry.com/authors/roi-lagziel","description":"Roi Lagziel is a payments engineer specializing in authorization optimization, retry strategies, and issuer-level behavior. 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