Company
Every payment is an inference
Payinference builds the decision layer for payments. One API call before each charge returns one executable instruction, and your own payment stack carries it out.
What we build
Payment decision infrastructure
Merchants, platforms and marketplaces ask Payinference what to do with a payment before they attempt it. The answer is a single instruction with the evidence behind it.
A decision layer, not a processor
Payinference decides and your stack executes. It is not a PSP, gateway or orchestrator, and no funds ever pass through it.
One instruction per payment
A merchant backend calls the Decision API with safe payment context and gets back route, use default route, step up, hold, retry, failover or block.
Evidence on every decision
Each instruction carries structured reason codes, and reported outcomes are joined back to the decisions that produced them.
Neutral by design
Payinference sits above your providers and has no stake in where a payment lands. Decisions optimize for your outcomes, not for any rail.
Principles
How we work
The product is shaped by a few commitments we treat as non-negotiable.
Decide before you charge
The costliest moment in payments is the charge that should never have been attempted. We put the decision in front of it.
Fast because it must be
The decision path computes from cached policy, cached provider health and cached pricing. Nothing external is called at decision time.
No black boxes
Rules are versioned, decisions are replayable and every instruction can be explained from its stored reason codes.
Honest by default
The product describes what it actually does. Estimates are labelled as estimates and fallback pricing is tagged as fallback.
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