FAQ

No. SmartRetry is not a standalone analytics tool — it’s an active optimization engine.
While it provides detailed analytics and reporting, its core functionality is to execute real retry and routing decisions that improve your approval rates in real time.
The insights you see are a byproduct of SmartRetry’s active processing, not a separate passive analysis layer.

Absolutely. SmartRetry offers real-time analytics and reporting showing approval rates, retry outcomes, acquirer performance, and 3DS success rates.
The data is accessible through the dashboard, helping you measure impact and identify optimization opportunities.

Yes. SmartRetry provides insights and performance reports that highlight when an acquirer is underperforming.
You’ll receive actionable suggestions about adding new providers or shifting volume — helping you make data-driven routing decisions.

Even with a single acquirer, SmartRetry can still apply advanced retry logic — including 3DS optimization, data enrichment, and issuer-side adaptations.
However, using multiple acquirers significantly improves flexibility and approval performance.

SmartRetry is built for multi-acquirer environments.
It continuously monitors performance, latency, and approval trends for each acquirer, and routes or retries transactions accordingly.
This ensures you’re always using the acquirer most likely to approve a given transaction — based on region, card type, MCC, or 3DS result.

SmartRetry combines machine learning models with rule-based logic.
This hybrid approach ensures that it continuously learns from your transaction history while maintaining predictable, transparent behavior where you need it.

Absolutely. SmartRetry includes specialized logic for recurring transactions — adjusting timing, acquirer routing, and authentication behavior to minimize declines on subscription renewals or repeat charges.

Yes — SmartRetry provides full visibility into the results of each retry, including which logic was used, which acquirer was selected.
However, not all algorithmic details are disclosed publicly, as some strategies are part of our proprietary Arsenal that gives our clients a competitive edge.

SmartRetry operates fully automatically once integrated, but clients can also define custom retry rules or adjust parameters like preferred acquirers, currencies, or ECI levels.
You remain in control — SmartRetry simply amplifies your approval results intelligently.

Each failed transaction is analyzed in real time to determine the best retry strategy based on decline codes, acquirer behavior, region, and 3DS status.
SmartRetry then automatically applies the most effective tactic from its Arsenal to maximize approval chances without manual intervention.

The SmartRetry Arsenal is our collection of proprietary optimization strategies designed to improve transaction approval rates and reduce declines.
It includes dozens of advanced methods — from routing logic and retry sequencing to 3DS tuning and acquirer selection — many of which are publicly discussed on our blog, while others remain exclusive to our internal system.