Platforms
Platforms embed payments for many merchants at once. Payinference gives the platform one decision layer. Each payment is decided against that merchant's policy, executed on your existing stack, and recorded, so payment behaviour is explainable to every customer on the platform.
Your merchants inherit your payment blind spots
A platform's payment logic is one-size-fits-all by default. The same routing and risk handling applies to every merchant, with no per-merchant policy and no per-merchant evidence. When a merchant asks why their payments behaved a certain way, the answer is buried in platform code.
Decisions as a platform capability
Solutions that fit
The same decision layer, pointed at the problems this industry actually has.
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.
Outcome observability
Close the loop between decisions and results. Outcomes are joined to the decisions that produced them, turning approvals, retries and failovers into inspectable evidence.
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.
Frequently asked questions
Common questions from platforms teams evaluating Payinference.
Payinference is payment decision infrastructure, a vendor-neutral decision layer that sits above your existing payment stack. Before a payment is sent for processing, your backend calls the Decision API and gets back one executable instruction, one of route, use default route, step-up, hold, retry, failover, or block. Your own PSPs, gateways and rails then execute it.
Payinference is provider-neutral by design. Because it never calls a PSP itself, it needs no provider integration to work. Each decision request lists the providers available to you, and you execute the instruction through the stack you already run.
One call to POST /v1/decision. Reporting outcomes to /v1/outcomes is always free, and the first 1,000 decisions each month are included at no charge. Shadow and enforce decisions run the same decision path and are billed the same.