Provider intelligence
Provider intelligence is a continuously refreshed picture of the providers you already run. It covers health observed through probes and reported outcomes, expected cost per route, and how both change over time. Everything is kept cached, so every decision reads current provider state without a single PSP call on the hot path.
Your decline rate shouldn't be your monitoring
Provider degradation is usually discovered from your own failed payments, well after it started. Cost sits in contracts nobody consults per transaction. Neither signal reaches the code deciding where a payment goes, so payments keep flowing into a degraded or expensive route until a human intervenes.
Observed off the hot path, used on it
- 01Health, continuously observedHealth probes and reported outcomes maintain a cached health state per provider, refreshed off the decision path.
- 02Cost signals alongsideExpected provider cost is attached per route; when contract pricing isn't available, fallback figures are explicitly tagged as estimates.
- 03Decisions read the cachePOST /v1/decision computes from the cached state. Degradation shows up as failover and routing instructions, not as your decline spike.
- 04Evidence you can inspectHealth state and its effect on decisions are visible in the decision records, joined to real outcomes.
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 provider intelligence with Payinference.
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.
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.
Orchestrators sit in your payment flow and execute transactions across providers. Payinference sits above the flow and only decides. You keep your existing PSP integrations, contracts and settlement exactly as they are. Payinference tells your stack which action to take, and your stack carries it out.