Smart Payment Routing: Recover Revenue and Improve Approval Rates

Failed payments don’t have to mean failed conversions.
Up to 20% of cart abandonments in global e-commerce are caused by payment failures — often preventable ones. When a transaction gets declined, it’s not always about the customer — sometimes, it’s your payment stack.

What Is Smart Routing?

Smart payment routing is a process that evaluates each transaction in real-time and chooses the most efficient path for it. Instead of sending all payments through a single provider, Spoynt uses a dynamic system that considers:

• Card issuer and country
• Payment method
• Processor availability and performance
• Historical success rates 

This intelligent system ensures that if one route fails, another is instantly tried — increasing the chances of approval and improving the end-user experience.

Why It Matters

Most providers simply stop at the first decline. But what if that failure was a timeout or a regional issue? With smart routing, you get a second — and sometimes third — chance without involving your customer again.

Without vs With Spoynt

Who Benefits

• Marketplaces with diverse user bases
• Subscription platforms with recurring billing
• High-volume international merchants 

So, every transaction deserves a second chance. Spoynt’s Smart Routing technology gives it one — silently and efficiently. That means higher revenue, lower churn, and smoother payment flows.