--- description: Explore SmartRetry platform features including intelligent payment retries, decline analysis, routing optimization, and tools designed to improve... title: SmartRetry Product Features FAQ | Payment retry engine and platform capabilities image: https://cdn.smartretry.com/_next/static/media/og-image.0z0q4_5kazzzo.jpeg --- [Skip to main content](#main-content) --- # Product Features Find quick answers to common questions about our product, payments, and how we help improve approval rates. ## Product Features * Can I use SmartRetry only for data analysis without retrying transactions? 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. Did this answer helped? Yes! [No, Lets get support](/contact) * Does SmartRetry include analytics or dashboards? 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. Did this answer helped? Yes! [No, Lets get support](/contact) * Can SmartRetry recommend when to add or change acquirers? 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. Did this answer helped? Yes! [No, Lets get support](/contact) * What happens if I have only one payment provider? 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. Did this answer helped? Yes! [No, Lets get support](/contact) * How does SmartRetry manage multiple acquirers? 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. Did this answer helped? Yes! [No, Lets get support](/contact) * Does SmartRetry use machine learning or fixed rules? 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. Did this answer helped? Yes! [No, Lets get support](/contact) * Can SmartRetry handle recurring payments or subscriptions? Absolutely. SmartRetry includes **specialized logic** for recurring transactions — adjusting timing, acquirer routing, and authentication behavior to minimize declines on subscription renewals or repeat charges. Did this answer helped? Yes! [No, Lets get support](/contact) * Are the optimization methods transparent to me? 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. Did this answer helped? Yes! [No, Lets get support](/contact) * Does SmartRetry work automatically or require manual setup? 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. Did this answer helped? Yes! [No, Lets get support](/contact) * How does SmartRetry choose which strategy to use? 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. Did this answer helped? Yes! [No, Lets get support](/contact) * What is the SmartRetry Arsenal? 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. Did this answer helped? Yes! [No, Lets get support](/contact) ![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) ## Still have questions? Can't find what you're looking for? Drop us your email and we'll get back to you. Email address Let’s talk Search your question ```json {"@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":"Can I use SmartRetry only for data analysis without retrying transactions?","acceptedAnswer":{"@type":"Answer","text":"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."}},{"@type":"Question","name":"Does SmartRetry include analytics or dashboards?","acceptedAnswer":{"@type":"Answer","text":"Absolutely. 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