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SmartRetry supports a broad range of payment methods. You specify the payment method using the payment_method field inside the payment_instrument object in your request body.

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Supported values

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Specifying a payment method

Pass payment_method inside the payment_instrument object:

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Card-specific fields

When using cards, include the card details in payment_instrument:
SmartRetry has access to card details and transaction data as part of the retry and optimization process. All sensitive data is encrypted in transit and at rest.

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Token-based payments

For a tokenized payment, send the 88-character SmartRetry token at the top level of the sale or pre-authorization request. A normal successful payment response does not return a token. Retrieve a stored payment-instrument token from the transaction status response when available. Pass the token at the top level:
This removes the need to re-transmit raw card data, simplifying repeat billing and reducing PCI scope.

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Currency support

SmartRetry supports 50+ currencies using ISO 4217 codes. Pass the currency code in the top-level currency field.
Supported currencies include: USD, EUR, GBP, JPY, KWD, CNY, AUD, CAD, CHF, SEK, NOK, DKK, RUB, ILS, INR, BRL, MXN, ZAR, SGD, HKD, NZD, AED, SAR, TRY, PLN, CZK, HUF, THB, PHP, MYR, BGN, RON, IDR, KRW, COP, UAH, VND, QAR, BHD, EGP, MAD, KES, UGX, NGN, OMR, ARS, CLP, JOD, PYG, RWF, and more.

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Retry and recovery support

SmartRetry’s intelligent retry engine works by analyzing decline reasons and re-routing transactions through a different acquirer, 3DS configuration, or card parameter. Retry coverage varies by payment method:

Best retry coverage

cards and digital_wallets receive the most comprehensive retry logic, including acquirer routing, ECI-level adjustments, and 3DS optimization.

Method-dependent

bnpl, online_banking, rtp, direct_debit, and other methods are subject to the retry capabilities supported by the connected acquirer or provider.
SmartRetry only retries transactions that have a realistic chance of succeeding. Hard declines - such as stolen card or permanent do-not-honor responses - are not retried to avoid unnecessary processing.