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Documentation Index

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SmartRetry is an intelligent payment optimization engine that automatically recovers declined transactions. When a payment fails, SmartRetry analyzes the decline reason in real time - examining issuer signals, routing conditions, 3DS responses, and card parameters - then rebuilds the transaction and routes it through the best available path. The result is more approvals without any changes to your checkout or payment providers. Every year, billions of dollars in legitimate revenue is lost to payment declines. Up to 45% of customers abandon their purchase after a single failed payment, and 20–30% of declined card transactions are recoverable with the right retry strategy. SmartRetry exists to close that gap - recovering revenue that should have been yours. If you want clearer payment terminology, see the Glossary. If you are looking for common product questions, see the FAQ. If you need quick help while reading, ask the SmartRetry chatbot.

Quick Start

Make your first API call and start recovering declined transactions in minutes.

Authentication

Learn how to authenticate your API requests with your API key.

Core Concepts

Understand how SmartRetry analyzes and recovers failed transactions.

API Reference

Explore all endpoints - payments, recurring, and more.

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Get started in 4 steps

1

Get your API key

Contact SmartRetry to receive your API key and terminal ID. You’ll use these to authenticate every request.
2

Configure your terminal

Your terminal (terminal_friendly_id) represents your merchant account configuration. Pass it as a path parameter on every payment request.
3

Send your first transaction

Use the Sale endpoint to charge a card, or Pre-auth to authorize and capture later. Test in the sandbox environment before going live.
4

Monitor and optimize

View retry outcomes, approval rates, and acquirer performance in your dashboard. SmartRetry continuously learns from your data to improve recovery rates over time.

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Key capabilities

Intelligent retry

SmartRetry rebuilds each failed transaction from the ground up. It optimizes 3DS settings, card parameters, AVS tuning, and ECI levels based on the specific decline reason - not a generic retry schedule.

Multi-acquirer routing

Route transactions dynamically across your connected acquirers and PSPs based on real-time performance data, region, MCC, and card type. SmartRetry picks the best path for each transaction.

Recurring payments

Built-in retry logic for subscription billing and recurring charges. Manage renewal attempts with intelligent scheduling to maximize recovery on soft declines.

Analytics & reporting

Track retry outcomes, approval rates, and acquirer performance. SmartRetry continuously learns from your transaction data to improve recovery rates over time.

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What SmartRetry is not

SmartRetry is not a payment processor. It does not replace your existing PSPs or acquirers - it sits on top of them. You keep your current payment infrastructure exactly as it is. SmartRetry adds an optimization layer that intercepts declined transactions and applies intelligent recovery logic before they become lost revenue. This means there are no checkout changes, no provider migrations, and no disruption to your existing payment flow. Integration typically takes two to five business days via REST API, SDK, or a ready-made plugin for WooCommerce, Magento, or PrestaShop.
SmartRetry uses performance-based pricing: you only pay for successfully recovered transactions. If a payment isn’t approved, you don’t pay.