Payment optimization
Payment optimization is choosing the best action for every payment before it is sent. Route to the healthiest, most cost-effective provider, fail over when a provider degrades, or fall back to your default route. Each choice is decided per payment from current health, cost and policy signals instead of a static default.
Static routing can't see a degrading provider
Most stacks route every payment down one hardcoded path. When that provider degrades, the first signal is your own decline rate; when another route would cost less, nothing notices. Routing logic buried in checkout code has no view of provider health, cost or policy, and it keeps no record of why a path was chosen.
One call, one instruction, before authorization
- 01Call the Decision API firstBefore authorization, your backend sends POST /v1/decision with safe payment context and the providers available to you.
- 02Routes are scored from cached signalsPayinference scores each route from cached provider health, expected cost and your routing policy. It is pure computation with no PSP call, targeting under 50 ms at p95 with typical decisions around 1 ms.
- 03You execute the instructionThe API returns route, use default route or failover with reason codes and route scores. Your own stack carries it out, and Payinference never touches the money.
- 04Outcomes feed the next decisionReport the result to POST /v1/outcomes and route scoring learns from what actually happened.
The products behind it
Every solution is the same four-part architecture doing its job. These are the parts doing the heavy lifting here.
Frequently asked questions
Common questions about payment optimization with 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.
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.
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.