Is SmartRetry better than FlyCode?

It depends on your needs. SmartRetry offers broader PSP compatibility and 500+ direct bank relationships across 50+ countries, making it ideal for global merchants using multiple payment providers. FlyCode excels for Stripe-focused businesses wanting built-in dunning campaigns.

Can I use SmartRetry if I'm already using FlyCode?

Yes, SmartRetry works alongside existing payment infrastructure. You can test SmartRetry on a portion of your traffic to compare recovery rates before making a full switch.

Which has better recovery rates - SmartRetry or FlyCode?

Both platforms report similar recovery improvements (20-40%). The actual results depend on your specific transaction patterns, PSP setup, and customer base. We recommend a pilot test to compare real performance.

Does SmartRetry require checkout changes like FlyCode?

No, SmartRetry works on top of your existing payment infrastructure with no checkout changes required. FlyCode may require modifications depending on your integration.

SmartRetry

FlyCode

SmartRetry vs FlyCode: A Complete Comparison for 2026

Quick Verdict

Choose SmartRetry for PSP flexibility and global reach

SmartRetry is the better choice for merchants using multiple PSPs or operating globally, while FlyCode works well for Stripe-focused businesses wanting integrated dunning.

Published: April 20, 2026
Last updated: July 26, 2026

2 min

Feature Comparison

Feature Comparison: SmartRetry vs FlyCode
Feature	SmartRetry	FlyCode
Core Technology
AI/ML-powered retries	Full support	Full support
Per-merchant ML models	Full support	Full support
Real-time diagnostics	Full support	Full support
Integrations
Works with any PSP	Full support	Partial
No checkout changes required(Multi-PSP orchestration)	Full support	Full support
	Full support	Partial
Global Coverage
Direct bank relationships	Full support	Partial
Global coverage	Full support	Partial
Features
Dunning email campaigns	Full support	Full support
Alternate card routing	Full support	Full support
3DS handling	Full support	Partial
Pricing
Performance-based pricing	Full support	Full support
No setup fees	Full support	Full support
No minimums	Full support	Full support

Full support

Partial

Not supported

Pros & Cons

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

FlyCode

Pros

Strong per-merchant ML optimization
Built-in dunning email campaigns
Alternate card routing capabilities
Good Shopify integration
Y Combinator network

Cons

More limited PSP compatibility
May require checkout changes
Less transparent about bank relationships
Smaller global footprint (30+ countries)

Which Should You Choose?

Both platforms have their strengths. Here's a quick guide to help you decide.

Recommended

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 See SmartRetry Pricing

Choose FlyCode

For specific use cases

Stripe-native businesses
Shopify merchants
Companies wanting built-in dunning

Frequently Asked Questions

Based on publicly available info as of July 26, 2026; reflects SmartRetry’s perspective. Verify details with FlyCode directly.

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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.

SmartRetry vs FlyCode: A Complete Comparison for 2026