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December 01, 2025, 14:01:42 GMT-6
Stop soft declines from eating into your revenue with smart, instant retries that get more transactions approved.

Smartmend is purpose-built for merchants that sell digital downloads, online media, software tools, premium features and other instantly delivered virtual products. Our recovery engine helps them win back revenue from failed transactions.


When a payment fails, Smartmend automatically runs a compliant retry in real time. We never contact the customer, and the shopper doesn’t have to do a thing.
Smartmend doesn’t manage subscriptions or recurring billing; we only help complete one-time payments that failed. Every recovery is a single, one-off retry that completes only if it’s approved.
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The process is invisible to customers, whose checkout stays exactly the same. If the retry succeeds, they get instant access to the digital product they ordered. If it doesn’t, no further attempts are made.
An easy, fully automated process that converts failed transactions into successful sales.
A customer begins a payment on the merchant’s checkout.

If the card issuer declines the transaction, Smartmend is notified immediately.

We retry the failed transaction right away, guided by the decline reason and the best timing.

When the retry succeeds, the order completes straight away with no input from the customer.

The order is fulfilled with no charges beyond the approved retry. It’s a single, one-time payment.

If you don’t recognize a payment, or have a question about a digital purchase from one of our merchants, our global support team is on hand to help. We’re available Monday to Friday, 09:00 AM to 06:00 PM EST.

For orders processed by a merchant connected to Smartmend.
For questions, refunds or charge enquiries.
For access problems, duplicate charges or payments you don’t recognize.
E-books, online publications, online courses, downloadable content and digital files.
Software apps, productivity tools, cloud services, premium upgrades and feature unlocks.
Video and music streaming, creator platforms, digital content libraries and pay-per-view access.
Join the thousands of merchants already recovering over 30% of declined payments with our AI-driven platform, and keep revenue that failed payments would otherwise cost you.
