Smart Routing: Reduce Declines & Increase Revenue

The problem with payment failures

Picture this: your customer is ready to pay. They click. It fails. End of story. Except… it doesn’t have to be.

Many payment processors block the transaction, display a generic error, and move on. But what if your system could think — try again, through another path, and rescue the sale? That’s exactly what Spoynt does!

What is smart routing?

Smart routing dynamically analyzes each transaction and selects the best processing route based on factors like region, card type, and issuer. It’s like a GPS for payments — always choosing the optimal path for success.

Smart routing is more than a convenience — it’s a competitive advantage. According to The Paypers, intelligent routing increases approval rates by up to 10% and significantly reduces churn.

How Spoynt reroutes intelligently

• Dynamic routing: Spoynt constantly evaluates multiple providers and reroutes transactions in milliseconds when necessary, ensuring maximum approval rates, automatically selects the best available provider or method

• Instant retry logic: Temporary failures? Our system automatically retries with alternate providers, often completing payments without user involvement, keeps transactions moving without manual intervention

• Transparent reporting: Businesses see exactly why routing decisions were made and how they impacted conversion rates.

The result? More completed payments, more satisfied users, and no awkward “please try again later.”

Who should use smart routing?

• Subscription-based businesses battling involuntary churn

• eCommerce brands expanding across regions

• Fintech apps looking to maximize authorization rates

Smart routing means fewer lost customers, increased revenue, and a smoother checkout experience. Subscription platforms, marketplaces, and international merchants stand to benefit most, as they often deal with high transaction volumes and varied payment preferences.

Payments should just work — and with Spoynt, they do. Smart routing reduces friction, saves revenue, and keeps customers happy.

Stop losing customers to failed payments!