--- description: Compare SmartRetry vs Butter Payments for payment recovery. See pricing, recovery rates, PSP compatibility, and find the best solution for your business. title: SmartRetry vs Butter Payments: Payment Recovery Compared (2026) image: https://cdn.smartretry.com/cdn-cgi/image/width=1200,height=630,quality=85,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F07%2Fog-compare-butter-payments-2.jpg --- [Skip to main content](#main-content) ![SmartRetry](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fs-logo.28jvp9f4q8bes.svg) SmartRetry vs ![Butter Payments](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F05%2Fbutter-payment-icon.webp) Butter Payments # SmartRetry vs Butter Payments: A Complete Comparison for 2026 Quick Verdict Choose SmartRetry for flexibility and transparent pricing SmartRetry offers broader PSP compatibility, transparent pricing, and no minimums. Butter Payments suits enterprise DTC brands wanting dedicated support. Published April 20, 2026 Last updated July 26, 2026 ![Reading time](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fclock.337f-cmnyb532.svg)2 min ## Still letting failed transactions slip through? SmartRetry turns declines into approvals - automatically, intelligently, and without changing your payment provider. Email address Let’s talk Table of Contents ## Feature Comparison * All * Core Technology * Integrations * Global Coverage * Features * Pricing __Feature Comparison: SmartRetry vs Butter Payments__ | Feature | ![SmartRetry](https://cdn.smartretry.com/cdn-cgi/image/width=48,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fs-logo.28jvp9f4q8bes.svg)SmartRetry | ![Butter Payments](https://cdn.smartretry.com/cdn-cgi/image/width=48,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F05%2Fbutter-payment-icon.webp)Butter Payments | | ---------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Core Technology | | | | AI/ML-powered retries | Full support | Full support | | Per-merchant ML models | Full support | Full support | | Real-time diagnostics | Full support | Partial | | Integrations | | | | Works with any PSP | Full support | Partial | | No checkout changes required | Full support | Full support | | Multi-PSP orchestration | Full support | Not supported | | Global Coverage | | | | Direct bank relationships | Full support | Not supported | | Global coverage | Full support | Partial | | Features | | | | Dunning email campaigns | Full support | Partial | | Alternate card routing | Full support | Partial | | 3DS handling | Full support | Not supported | | Pricing | | | | Performance-based pricing | Full support | Full support | | No setup fees | Full support | Full support | | No minimums | Full support | Not supported | Full support Partial Not supported ### Pros & Cons ![SmartRetry](https://cdn.smartretry.com/cdn-cgi/image/width=48,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fs-logo.28jvp9f4q8bes.svg) SmartRetry #### Pros * Works with any payment service provider * No changes to existing checkout required * 500+ direct bank relationships worldwide * Real-time root cause diagnostics * Transparent performance-based pricing * Global coverage across 50+ countries #### Cons * Dunning campaigns available via partners only * Alternate card routing depends on PSP capabilities ![Butter Payments](https://cdn.smartretry.com/cdn-cgi/image/width=64,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F05%2Fbutter-payment-icon.webp)Butter Payments #### Pros * Deep data science approach to bank timing * Strong enterprise support and SLAs * Individual payment ML (not batch) * Strong brand clients for social proof #### Cons * Enterprise-focused (may not fit smaller merchants) * Lower reported lift than specialized tools * Less transparent pricing * More limited PSP compatibility ## Which Should You Choose? Both platforms have their strengths. Here's a quick guide to help you decide. Recommended ![SmartRetry](https://cdn.smartretry.com/cdn-cgi/image/width=96,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fs-logo.28jvp9f4q8bes.svg) ### Choose SmartRetry Best for most businesses * Global merchants using multiple PSPs * Businesses wanting no checkout changes * Companies needing provider independence * Merchants requiring deep payment diagnostics * Businesses wanting transparent, performance-based pricing [Get Started with SmartRetry](/contact)[See SmartRetry Pricing](/pricing) ![Butter Payments](https://cdn.smartretry.com/cdn-cgi/image/width=128,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F05%2Fbutter-payment-icon.webp) ### Choose Butter Payments For specific use cases * Enterprise DTC brands * Companies with enterprise support needs * Braintree/Recharge users ### Frequently Asked Questions Is SmartRetry better than Butter Payments? SmartRetry offers broader PSP compatibility and transparent performance-based pricing with no minimums, making it accessible to businesses of all sizes. Butter Payments is enterprise-focused with revenue share pricing. Which has better recovery rates - SmartRetry or Butter? SmartRetry reports 20-30% improvement while Butter reports 8-12% YoY improvement. Direct comparison depends on your specific business, but SmartRetry's 500+ bank relationships provide a broader recovery network. Can small businesses use SmartRetry instead of Butter? Yes, SmartRetry has no minimums and performance-based pricing, making it accessible to businesses of all sizes. Butter Payments is more enterprise-focused. Does SmartRetry work with Braintree like Butter? Yes, SmartRetry works with any PSP including Braintree, Stripe, Adyen, Checkout.com, and more. Unlike Butter, you're not limited to specific gateway integrations. Based on publicly available info as of July 26, 2026; reflects SmartRetry’s perspective. Verify details with Butter Payments directly. ## Related Comparisons [View all](/compare) [![Slicker](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F06%2FSlicker_logo.webp) SmartRetry vs Slicker ML-driven payment recovery with personalized dunning, multi-gateway routing, and performance-only pricing.](/compare/smartretry-vs-slicker)[![Pagos](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F06%2FPagos_logo.webp) SmartRetry vs Pagos Processor-neutral payment intelligence with multi-processor analytics, BIN data, tokenization, and retry tools.](/compare/smartretry-vs-pagos)[![Kipp](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F06%2FvkIoETwQ-kipp_logo.webp) SmartRetry vs Kipp B2B fintech that intercepts card declines at authorization, letting merchants pay to approve transactions before they fail.](/compare/smartretry-vs-kipp)[![FlexFactor](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F06%2Fflexfactor_logo.png) SmartRetry vs FlexFactor AI-powered decline recovery that intercepts failed transactions in real time, takes on merchant credit risk, and charges only on recovered revenue.](/compare/smartretry-vs-flexfactor) ## Articles you may find interesting: [View all](/blog) [![Solving CVV Mismatch Declines: Root Causes and Practical Remediation for Merchants](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fresolving-cvv-mismatch-payment-declines.jpg) September 15, 2026 Solving CVV Mismatch Declines: Root Causes and Practical Remediation for Merchants Discover why CVV mismatch errors trigger costly false declines across gateways. Learn how to refine risk thresholds, implement dynamic validation, and leverage network tokens to recover revenue without sacrificing security.](/blog/cvv-errors-causes-merchant-solutions)[![Evaluating Payment Recovery Software to Prevent Involuntary Churn](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fsubscription-payment-recovery-software-evaluation.jpg) September 15, 2026 Evaluating Payment Recovery Software to Prevent Involuntary Churn Explore how modern payment recovery platforms use intelligent retries, automated account updaters, and targeted dunning to curb involuntary churn and recover recurring subscription revenue.](/blog/failed-payment-recovery-software)[![Optimizing Payment Performance: From Intelligent Routing to Soft Decline Recovery](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fpayment-performance-optimization-strategies-1.jpg) September 15, 2026 Optimizing Payment Performance: From Intelligent Routing to Soft Decline Recovery Maximizing payment approvals requires moving beyond passive processing. Discover how dynamic routing, network tokens, and smart decline recovery protect revenue and reduce involuntary customer churn across enterprise payment stacks.](/blog/payment-optimization)[![Payment Dispute Resolution and Revenue Recovery Strategies for 2026](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fpayment-dispute-resolution-revenue-recovery-strategy.jpg) September 7, 2026 Payment Dispute Resolution and Revenue Recovery Strategies for 2026 Discover how modern payment teams balance fraud prevention with user experience, using network interception tools and intelligent recovery logic to protect baseline revenue and cut false declines.](/blog/payment-dispute-resolution-revenue-recovery) ![SmartRetry - Payment Recovery Platform](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flogo.3mm2n0hdxl3mi.svg) ## Ready to recover more revenue? See how SmartRetry can improve your payment recovery rates with a free analysis. Performance-based pricing means you only pay when we recover payments. Email address Let’s talk --- ```json {"@context":"https://schema.org","@type":"WebPage","url":"https://www.smartretry.com/compare/smartretry-vs-butter-payments","name":"SmartRetry vs Butter Payments: Payment Recovery Compared (2026)","description":"Compare SmartRetry vs Butter Payments for payment recovery. 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