SmartRetry - Payment Recovery Platform
SmartRetry
SmartRetry
vs
FL
FlyCode

SmartRetry vs FlyCode

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.

Last updated: 2026-04-20T09:49:42

Feature Comparison

Feature
SmartRetry
SmartRetry
FL
FlyCode
Core Technology
AI/ML-powered retries
Per-merchant ML models
Real-time diagnostics
Integrations
Works with any PSP
No checkout changes required
Multi-PSP orchestration
Global Coverage
Direct bank relationships
500+
Not disclosed
Global coverage
50+ countries
30+ countries
Features
Dunning email campaigns
Via partners
Alternate card routing
PSP-dependent
3DS handling
Pricing
Performance-based pricing
No setup fees
No minimums
Full support
Partial
Not supported

Pros & Cons

SmartRetry
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
FL
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
SmartRetry

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
FL

Choose FlyCode

For specific use cases

  • Stripe-native businesses
  • Shopify merchants
  • Companies wanting built-in dunning
Visit FlyCode

Frequently Asked Questions

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

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SmartRetry

Ready to RecoverMore 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.

No setup feesNo minimumsPay only on success
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