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https://securitysenses.com/posts/smart-routing-payment-systems-how-it-boosts-acceptance-rate
Every declined transaction is lost revenue. Industry data consistently shows that online merchants lose a meaningful share of potential transactions to technical processor declines, incorrect routing, or individual acquirer limits – losses entirely unrelated to customer intent or card validity. Smart routing is the architectural solution that addresses this systematically. A declined transaction is not a customer saying no. It is your payment infrastructure saying it cannot handle the request – a fixable engineering problem.