--- description: Compare SmartRetry vs FlyCode for payment recovery. See features, pricing, recovery rates, and find which AI retry platform is best for your business. title: SmartRetry vs FlyCode: AI Payment Recovery Compared (2026) image: https://cdn.smartretry.com/uploads/2026/07/og-compare-flycode-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 ![FlyCode](https://cdn.smartretry.com/cdn-cgi/image/width=256&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F05%2Fflycode-icon.webp) 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 ![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 FlyCode__ | 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 | ![FlyCode](https://cdn.smartretry.com/cdn-cgi/image/width=48&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F05%2Fflycode-icon.webp)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](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 ![FlyCode](https://cdn.smartretry.com/cdn-cgi/image/width=64&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F05%2Fflycode-icon.webp)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](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) ![FlyCode](https://cdn.smartretry.com/cdn-cgi/image/width=128&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F05%2Fflycode-icon.webp) ### Choose FlyCode For specific use cases * Stripe-native businesses * Shopify merchants * Companies wanting built-in dunning ### Frequently Asked Questions 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. Based on publicly available info as of July 26, 2026; reflects SmartRetry’s perspective. Verify details with FlyCode 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-flycode","name":"SmartRetry vs FlyCode: AI Payment Recovery Compared (2026)","description":"Compare SmartRetry vs FlyCode for payment recovery. See features, pricing, recovery rates, and find which AI retry platform is best for your business.","datePublished":"2026-04-20T08:34:33.000Z","dateModified":"2026-07-26T04:01:04.000Z","author":{"@type":"Organization","@id":"https://www.smartretry.com/#organization","name":"SmartRetry","url":"https://www.smartretry.com","logo":{"@type":"ImageObject","url":"https://cdn.smartretry.com/logo.png","width":{"@type":"QuantitativeValue","value":175,"unitCode":"PX"},"height":{"@type":"QuantitativeValue","value":29,"unitCode":"PX"}},"description":"SmartRetry is a smart payment recovery platform that helps businesses save revenue from failed payment transactions and reduce false declines.","sameAs":["https://x.com/smartretry","https://www.facebook.com/smartretry","https://www.instagram.com/smartretry","https://www.linkedin.com/company/smartretry","https://www.youtube.com/@smartretry"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","availableLanguage":["Hebrew","English"],"url":"https://www.smartretry.com/contact"},"address":{"@type":"PostalAddress","streetAddress":"Menachem Begin","addressLocality":"Tel Aviv-Yafo","addressCountry":"IL"}},"isPartOf":{"@type":"WebSite","@id":"https://www.smartretry.com/#website","name":"SmartRetry","url":"https://www.smartretry.com","description":"Payment recovery guides, tools and reference data from SmartRetry - failed payment recovery, false decline prevention and authorization rate optimization.","inLanguage":"en","publisher":{"@type":"Organization","@id":"https://www.smartretry.com/#organization","name":"SmartRetry","url":"https://www.smartretry.com","logo":{"@type":"ImageObject","url":"https://cdn.smartretry.com/logo.png","width":{"@type":"QuantitativeValue","value":175,"unitCode":"PX"},"height":{"@type":"QuantitativeValue","value":29,"unitCode":"PX"}},"description":"SmartRetry is a smart payment recovery platform that helps businesses save revenue from failed payment transactions and reduce false declines.","sameAs":["https://x.com/smartretry","https://www.facebook.com/smartretry","https://www.instagram.com/smartretry","https://www.linkedin.com/company/smartretry","https://www.youtube.com/@smartretry"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","availableLanguage":["Hebrew","English"],"url":"https://www.smartretry.com/contact"},"address":{"@type":"PostalAddress","streetAddress":"Menachem Begin","addressLocality":"Tel Aviv-Yafo","addressCountry":"IL"}}}} {"@context":"https://schema.org","@type":"FAQPage","author":{"@type":"Organization","@id":"https://www.smartretry.com/#organization","name":"SmartRetry","url":"https://www.smartretry.com","logo":{"@type":"ImageObject","url":"https://cdn.smartretry.com/logo.png","width":{"@type":"QuantitativeValue","value":175,"unitCode":"PX"},"height":{"@type":"QuantitativeValue","value":29,"unitCode":"PX"}},"description":"SmartRetry is a smart payment recovery platform that helps businesses save revenue from failed payment transactions and reduce false declines.","sameAs":["https://x.com/smartretry","https://www.facebook.com/smartretry","https://www.instagram.com/smartretry","https://www.linkedin.com/company/smartretry","https://www.youtube.com/@smartretry"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","availableLanguage":["Hebrew","English"],"url":"https://www.smartretry.com/contact"},"address":{"@type":"PostalAddress","streetAddress":"Menachem Begin","addressLocality":"Tel Aviv-Yafo","addressCountry":"IL"}},"mainEntity":[{"@type":"Question","name":"Is SmartRetry better than FlyCode?","acceptedAnswer":{"@type":"Answer","text":"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."}},{"@type":"Question","name":"Can I use SmartRetry if I'm already using FlyCode?","acceptedAnswer":{"@type":"Answer","text":"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."}},{"@type":"Question","name":"Which has better recovery rates - SmartRetry or FlyCode?","acceptedAnswer":{"@type":"Answer","text":"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."}},{"@type":"Question","name":"Does SmartRetry require checkout changes like FlyCode?","acceptedAnswer":{"@type":"Answer","text":"No, SmartRetry works on top of your existing payment infrastructure with no checkout changes required. FlyCode may require modifications depending on your integration."}}]} {"@context":"https://schema.org","@type":"SoftwareApplication","name":"SmartRetry","applicationCategory":"BusinessApplication","operatingSystem":"Web","description":"AI-powered payment recovery platform with 500+ direct bank relationships across 50+ countries.","offers":{"@type":"Offer","priceSpecification":{"@type":"UnitPriceSpecification","priceType":"https://schema.org/InvoicePrice","description":"Performance-based pricing. Pay only on successfully recovered payments. No setup fees, no monthly platform fees."},"description":"Performance-based pricing - pay only on successful recoveries","availability":"https://schema.org/InStock"}} {"@context":"https://schema.org","@type":"ItemList","name":"SmartRetry vs FlyCode Comparison","url":"https://www.smartretry.com/compare/smartretry-vs-flycode","numberOfItems":2,"itemListElement":[{"@type":"ListItem","position":1,"name":"SmartRetry","url":"https://www.smartretry.com"},{"@type":"ListItem","position":2,"name":"FlyCode","url":"https://www.smartretry.com/compare/smartretry-vs-flycode"}]} {"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.smartretry.com/"},{"@type":"ListItem","position":2,"name":"Compare","item":"https://www.smartretry.com/compare"},{"@type":"ListItem","position":3,"name":"SmartRetry vs FlyCode: A Complete Comparison for 2026","item":"https://www.smartretry.com/compare/smartretry-vs-flycode"}]} ```