---
description: SmartRetry uses performance-based pricing: you only pay when we successfully recover a declined payment. No setup fees, no platform costs, no risk.
title: SmartRetry Pricing | Performance-Based Payment Recovery
image: https://cdn.smartretry.com/_next/static/media/og-image.0z0q4_5kazzzo.jpeg
---

[Skip to main content](#main-content)

Zero Risk

# Performance-Based Pricing

You only pay when we successfully recover a declined payment.

No setup fees. No platform costs. No risk.

## Why this model?

Our pricing is based on your transaction volume and recovery potential. We analyze your decline patterns and provide a custom quote aligned with your business.

Example: recover $10,000 in declined payments in a month, pay a low single-digit percentage on what's recovered - you keep the rest.

* Pay only on successful recoveries
* No integration or setup fees
* No monthly minimums
* Works with your existing payment stack

Calculate Your ROI? Actually, you don't need to. You profit from the very first recovered payment.

### FAQ

Do you charge higher commission for high-risk industries?

No – often the opposite. High-risk industries frequently have higher recovery potential, and the more transactions and recoverable revenue involved, the lower our commission tends to be. Every account is reviewed on a case-by-case basis, so your exact rate depends on your specific volume and recovery potential rather than your industry classification.

Is there a setup or onboarding fee?

No. There is no setup fee or onboarding cost. You can get started without any upfront investment.

What happens if SmartRetry doesn’t recover a payment?

You pay nothing. SmartRetry only charges on successfully recovered payments — if we don’t recover it, there’s no fee.

How long until merchants see first results?

Most merchants see their first recovered payments within a few days of going live.

Is there a minimum volume requirement?

Minimum volume requirements — if any — are determined by your **sales representative** and depend on your business size, average transaction count, and processing setup.

## Get Your Custom Quote

Step 1 of 4

### Tell us about yourself

Full name\*

Company name\*

Work email\*

Phone number

Monthly declined transactions

Current approval ratio

MCC (Merchant Category Code)

4-digit code that classifies your business type (e.g., 5411 for grocery stores)

Next

Your details are handled under our [security practices ›](/security)

---

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