E-commerce
E-commerce checkout lives or dies on authorization. Payinference sits above your PSPs and decides, per payment, the route most likely to succeed at the best cost, and when to fail over, retry or add friction, so conversion isn't left to a static default.
A static default decides your conversion
Most checkouts send every payment to the same provider with the same settings, whatever its current health or cost. Declines look like customer failures when they're routing failures; soft declines are retried blindly or not at all; and risk friction is applied broadly because nothing decides where it's actually needed.
Decisions that protect the checkout
Solutions that fit
The same decision layer, pointed at the problems this industry actually has.
Payment optimization
Choose the best action for every payment before it is sent. Routing, failover and fallback are decided per payment from live health, cost and policy signals.
Retry intelligence
Decide whether a failed payment is worth retrying and how. Same route, failover or stop is decided from retry policy and current provider health, not a fixed schedule.
Provider intelligence
A continuously refreshed, cached picture of the providers you already use. Health from probes and outcomes and expected cost per route are read by every decision.
Frequently asked questions
Common questions from e-commerce teams evaluating Payinference.
The decision path is built for the authorization hot path. It computes from cached policy, cached provider health and cached pricing, with no PSP calls and no LLM calls, targeting under 50 ms at p95 with typical decisions around 1 ms.
Two endpoints. Your backend calls POST /v1/decision with safe payment context and receives one instruction. You execute that instruction through your own providers, then report what happened to POST /v1/outcomes so future decisions keep improving. A server-side SDK wraps both calls.
No. Payinference never moves money, never charges cards and never holds funds. It returns an instruction; your own payment stack executes it. It is not a PSP, gateway, orchestrator or wallet.