Smart Routing Wins the Year: Declines, Recoveries, and Hidden Revenue

Case studies 8 December, 2025

Every failed payment hides a story — and often, hidden revenue.
In 2024, merchants realized how much money they were leaving on the table due to avoidable declines.

Smart Routing emerged as one of the most impactful technologies of the year.

Why declines became the problem everyone noticed

1. Cross-border traffic increased

More international sales → more routing complexity → more mismatches between issuer, currency, region, and PSP.

2. Issuer behavior fluctuated more than ever

Even good cards failed at random times due to:

network downtime
3DS friction
temporary connectivity issues
overprotective risk filters

3. One PSP is no longer enough

Reliance on a single provider meant: single point of failure, inconsistent approval rates, poor regional performance.

How Smart Routing recovered millions in lost revenue

Mechanics of modern routing:

evaluating performance of each provider in real time
dynamic switching based on geography, card type, issuer, currency
retrying transactions with modified payloads
adapting routing logic at the millisecond level

Example of recovered revenue

Scenario	Legacy Routing	With Smart Routing
Timeout at PSP A	Transaction fails	Instantly routed to PSP B
Issuer risk flag	Decline	Re-try with 3DS method
Latency spike	30–50% failure	Automatic fallback to faster route
Region mismatch	Lost sale	Localized PSP via regional logic

Average revenue recovered across merchants using smart routing in 2025:
+7–12% additional successful payments.

What Spoynt does differently

Spoynt’s Smart Routing engine uses:

real-time PSP scoring
behavioral retry logic
issuer-based routing profiles
AI-backed decline prediction
fallback flows per region

2025 proved that Smart Routing isn’t a “feature” — it’s revenue recovery.
In 2026, merchants who ignore routing optimization will lose money without realizing it.

Spoynt turns failures into revenue — automatically.