Policy governance
Policy governance makes payment policy an explicit, version-controlled artifact instead of logic buried in checkout code. Decline rules, thresholds, routing preferences and guardrails are written down, versioned on every change, and enforced identically on every decision, with a record of which version was in force when.
Nobody can say what the rules currently are
Payment rules accumulate across services, feature flags and hotfixes until no one can state the policy in force, let alone who changed it, when, or what it was last quarter. Changing a rule means a deploy; reviewing one means reading code.
Policy as data, with a paper trail
- 01Written down, in one placeDecline rules, risk thresholds, routing preferences, retry rules and agent guardrails live in Policy Manager as explicit policy. It is data, not scattered code.
- 02Versioned on every changeEach change produces a new policy version, so the rules in force at any moment are a matter of record.
- 03Enforced on every decisionThe Decision API evaluates each payment against the cached current policy and returns the matched rules alongside the instruction.
- 04Reviewable after the factEvery decision record names its policy version. Audit how a rule behaved, or replay decisions made under a previous version.
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 policy governance with Payinference.
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.
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.
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.