Stop losing qualified shoppers to false bank declines and gateway outages. SmartGates connects your business to multiple global acquirers via one API, intelligently routing every transaction to the highest-converting rail.
Instant review. No credit card required. Works alongside your existing gateway.
Most online merchants operate at an 80–84% approval rate, leaving 16–20% of sales on the table. See how much SmartGates Smart Routing recovers every month.
SmartGates typically recovers 18% to 22% of previously declined transactions via real-time acquirer failover and BIN routing optimization.
One integration unlocks multiple acquiring relationships, AI-driven fraud scoring, and continuous failover redundancy.
Route by card brand, issuing country, BIN, and historical bank acceptance rates. Auto-retry on downtime.
Adaptive risk scoring analyzes hundreds of fraud signals in real-time, requesting 3DS only when strictly necessary.
No need to build new code for every acquirer. Standardized JSON requests, webhooks, and idempotent transactions.
Single dashboard consolidating all currencies, decline code analysis, settlement schedules, and dispute management.
Why high-volume global merchants never rely on a single acquirer.
| Capability | Traditional Single Acquirer | SmartGates Routing Platform |
|---|---|---|
| Approval Rates | Subject to single bank risk filter (~80%) | Dynamic multi-route optimization (up to 96%) |
| Downtime & Outages | Total transaction halt on bank maintenance | Instant sub-second cascade to backup acquirer |
| Adding New Acquirers | Months of engineering & new API integration | Zero code: toggle on via dashboard |
| Fraud & Chargeback Defense | Rigid rules that trigger false declines | AI-powered adaptive risk scoring & 3DS 2.0 |
| Account Freezes | High risk of automated volume hold | Traffic distributed across redundant partners |
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Our engine analyzes every transaction request in real-time. Based on parameters like card type, issuing bank, geolocation, and current acquirer performance, the algorithm automatically selects the optimal path for the payment. This technology maximizes your conversion rates and minimizes processing costs.
No. Our routing decisions occur in under 40 milliseconds. If an acquirer times out or responds with a technical decline, the failover retry happens automatically within a 200–350ms window. To the customer, the payment appears virtually instantaneous.
We support major credit and debit cards (Visa, Mastercard, Maestro, MIR), Apple Pay, Google Pay, SEPA, Open Banking, SBP, as well as local alternative payment methods (APMs) across Europe, North Africa, and global regions.
Technical API integration typically takes only a few hours. Complete account activation and merchant verification (KYC) is completed within 1 to 3 business days.
Share your current volume and decline rate. Our payment engineers will run a diagnostic and show you exactly how many sales SmartGates will recover.