FAQ

On average, SmartRetry users experience a 5–25% improvement in approval rates, depending on transaction type, region, and acquirer mix.
The system continuously learns and optimizes, so performance improves over time as more data is collected.

Integration can take as little as one to two days.
You can connect via REST API, SDK, or pre-built connectors for popular PSPs.
Our technical team also provides sandbox access for testing before you go live.

SmartRetry was built with security and privacy at its core.
All data is encrypted in transit and at rest, and sensitive payment details are never stored on our servers.
Access to systems is tightly controlled through role-based permissions and multi-factor authentication, ensuring only authorized personnel can reach operational data.
The platform undergoes regular security reviews and penetration testing to maintain the highest protection standards and safeguard your business and customer information.

Yes. SmartRetry supports global acquirers, regional PSPs, and multi-currency environments, enabling merchants to optimize approvals across different markets.
It also adjusts logic based on local issuer behaviors, MCC patterns, and 3DS regulations per region.

SmartRetry is not a processor.
It’s a layer on top of your existing payment providers that enhances approval rates through intelligent retry and routing logic.
You keep using your PSPs and acquirers — SmartRetry just helps you get more approvals with them.

Traditional routing systems send payments to a fixed acquirer based on static rules.
SmartRetry, on the other hand, uses dynamic routing and prescriptive intelligence — adapting decisions in real time based on live acquirer data, MCCs, ECI levels, and issuer behavior.
It doesn’t just reprocess transactions — it learns from every decline.

SmartRetry connects to your payment flow via a simple API, SDK or Plugin.
When a transaction fails, it automatically analyzes the decline reason and applies a retry strategy — choosing the best acquirer, 3DS setting, currency, or card parameter to maximize approval chances.
Results are visible instantly in your dashboard or API logs.

SmartRetry is designed for merchants, PSPs, and payment facilitators who process online transactions and want to improve approval ratios without changing their infrastructure. It’s especially valuable for high-volume industries such as subscriptions, gaming, digital goods, and fintech.

SmartRetry is an intelligent payment optimization engine that automatically retries declined transactions through the most suitable payment routes. It analyzes decline reasons, acquirer performance, and 3DS responses in real time to increase your overall approval rate and reduce lost revenue.