Fintech
Fintechs answer for every payment decision, to auditors, partners and their own compliance teams. Payinference makes each decision explicit. Every decision is evaluated against version-controlled policy, explained with structured reason codes, and recorded so any instruction can be replayed exactly as it was made.
Explainability isn't optional
In regulated environments, “the system declined it” is not an answer. Payment handling scattered across services can't state its own rules, can't show which version of them was in force, and can't replay a decision for review. These are precisely the questions audits and partner diligence ask.
Decisions you can defend
Solutions that fit
The same decision layer, pointed at the problems this industry actually has.
Decision audit
Every payment decision is recorded with its inputs, matched rules, reason codes and policy version, so any instruction can be replayed and explained after the fact.
Policy governance
Payment policy as an explicit, version-controlled artifact. It is written down, enforced identically on every decision, and keeps a record of which version decided what.
Risk decisions
Turn risk signals into one executable instruction. Step-up, hold or block is scored on safe payment context against your own thresholds, with reason codes on every decision.
Frequently asked questions
Common questions from fintech teams evaluating Payinference.
Deciding what should happen to a payment before it touches a rail. Payinference evaluates provider health, cost, risk and your merchant policy in real time and turns them into a single instruction with reason codes, so routing, retries, step-ups and blocks are deliberate, explainable decisions instead of static defaults.
No. The API accepts only safe payment context, such as amount, currency, country, payment method and network-level signals. Request schemas are strict and reject PANs, CVVs and customer identity at the boundary, so card data cannot enter the system even by accident.
In shadow mode Payinference returns decisions and records what it would have done while your existing logic keeps executing, so you can evaluate decision quality against real traffic with zero risk. In enforce mode your stack executes the returned instruction.