--- description: SmartRetry helps businesses recover failed payments, reduce false declines, and improve authorization rates with smart retry logic and payment optimization. title: SmartRetry | Recover Failed Payments, Reduce Declines image: https://cdn.smartretry.com/_next/static/media/og-image.0z0q4_5kazzzo.jpeg --- [Skip to main content](#main-content) # $Billions![](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%2Fcurved-line.2m30izup9cch3.svg) Are Lost to Payment Declines - SmartRetry Recovers Them A significant portion of declined transactions are recoverable. SmartRetry analyzes issuer signals and transaction data to reconstruct failed payments and recover lost revenue automatically. Recover the revenue that should have been yours!. Enter email hereJoin now ## The Numbers Don't Lie: ## $443 Billions in legitimate online revenue is lost every year to payment declines” much of it from **real customers who could have been approved under better conditions.** ![False Decline Losses](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%2Ffalse-decline-losses.1t-5dgu53rg1y.svg)100% 100% of business processing card payments experiences false declines” this isn’t a niche issue, it’s a systemic problem across the global payments ecosystem. ![Customers Legitimate](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%2Fcustomers-legitimate.3fod59o_0xd21.svg)20-30% 20-30% Of failed card transactions can be successfully recovered when retried with the right timing, routing, transaction parameters and more tools from SmartRetry’s arsenal. ![Customer Trust](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%2Fcustomer-trust.3lk2eor55thjv.svg)45% 45% Of customers abandon their purchase after a single payment failure” turning temporary declines into permanent lost revenue. ![Decorative numbers section background](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%2Fnumbers-section-elements.1-l94p9h03pik.svg) ![](https://cdn.smartretry.com/_next/static/media/globe_lines.2_exr3z6_y5wc.png) ## We Don't Just Retry.We Rescue. ### STEP 01 - THE CUSTOMER IS GONE Every day, legitimate customers with valid payment methods are getting declined by outdated or rigid payment systems. These aren't fraudulent attempts or insufficient funds - they're real buyers, with real money, trying to pay you. And you're losing them.Every day, legitimate customers with valid payment methods are getting declined by outdated or rigid payment systems. These aren't fraudulent attempts or insufficient funds - they're real buyers, with real money, trying to pay you. And you're losing them. ### STEP 02 - WHAT REALLY WENT WRONG SmartRetry runs real-time diagnostics to uncover exactly why the payment failed - 3DS issues, browser errors, card blocks, or geo mismatches. Then it rebuilds the transaction smarter: optimizing fields, adapting logic, and routing it through the best path. No friction. No guesswork.SmartRetry runs real-time diagnostics to uncover exactly why the payment failed - 3DS issues, browser errors, card blocks, or geo mismatches. Then it rebuilds the transaction smarter: optimizing fields, adapting logic, and routing it through the best path. No friction. No guesswork. ### STEP 03 - YOU GET PAID Payment succeeds, Revenue recovered, You only pay us if it works. The customer completes the payment. Revenue is recovered. No success? No fee. So why not give it one more shot?Payment succeeds, Revenue recovered, You only pay us if it works. The customer completes the payment. Revenue is recovered. No success? No fee. So why not give it one more shot? ![SmartRetry logo](https://cdn.smartretry.com/cdn-cgi/image/width=256&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flogo.3mm2n0hdxl3mi.svg) Smart Routing ECI Prediction CVV Optimization 3DS Exemptions BIN Intelligence Authorization Insights AVS Tuning Velocity Checks Issuer Links Behavioral Analytics \- Multi-route Risk Scoring Tokenization Network Tokens Fallback Paths Fraud Signals Approval Lift Decline Codes Acquirer Failover PSP Switching Card-on-File Retry Scheduling Soft Declines Hard Declines ↓ Scroll Down to Explore ↓ SmartRetry Arsenal Our intelligent recovery system doesn't just retry-it rebuilds each failed transaction from the ground up. Our comprehensive toolkit includes AI-powered optimization, advanced data enrichment, direct issuer relationships with 500+ banks worldwide, real-time risk assessment, multi-route optimization, intelligent 3DS handling, geographic compliance intelligence, behavioral analytics, custom retry logic, and many other specialized capabilities designed to maximize recovery success. ## SmartRetry Arsenal Our intelligent recovery system doesn't just retry-it rebuilds each failed transaction from the ground up. Our comprehensive toolkit includes AI-powered optimization, advanced data enrichment, direct issuer relationships with 500+ banks worldwide, real-time risk assessment, multi-route optimization, intelligent 3DS handling, geographic compliance intelligence, behavioral analytics, custom retry logic, and many other specialized capabilities designed to maximize recovery success. ![Why SmartRetry section background](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%2Fbackground.29lzs_uemq1-0.webp) ## We're Built Different.Here's Why That Matters Our Single Mission SmartRetry was built with a single focus: recovering declined transactions end to end. While most payment infrastructure is designed for processing, SmartRetry is designed specifically for recovery. Built to Solve the Full Decline Problem Most payment solutions address only a narrow subset of decline causes. SmartRetry analyzes issuer signals, routing conditions, and transaction context to intelligently reconstruct failed payments. Works With Your Existing Payment Stack SmartRetry operates on top of your current PSPs and payment infrastructure. No checkout changes, no provider replacement - just improved authorization performance. Performance-Based Pricing SmartRetry charges only on successfully recovered transactions. If a payment isn’t approved, you don’t pay. [Read our full story →](/about) ![Community icon](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%2Fcta-section-people-icon.1xxv91a_fds2c.svg) ## Thousands of companies are already recovering revenue from failed transactions. Are you still ignoring yours? Millions in revenue are recovered every day from declined payments. More and more companies are starting to capture it. Don't get left behind. 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