We’ve been running into issues with card declines, especially for international clients. I came across the idea of smart routing payments — wondering if anyone here has real-world experience with it and whether it actually helps.

Yes, we’ve been using smart routing payments for a while now, and it made a noticeable difference. The system routes each transaction to the most effective payment provider in real time, based on success rate, geography, and other factors. It really cut down our decline rates, especially with cross-border traffic. What’s nice is that it works in the background — no extra friction for the customer, but higher approvals for us. If you're dealing with a high volume of transactions, especially globally, it’s definitely worth considering.