Audit
Audit works from records, and Payinference produces one for every decision. Each record holds the inputs, the matched rules, the instruction, its reason codes and the policy version in force, joined later to the reported outcome. Any decision can be replayed exactly as it was made.
Reconstructing decisions from fragments
Auditing payment behaviour usually means correlating application logs, deploy histories and provider statements, none of which were designed to answer the question. The result is a reconstruction, with gaps, delivered late.
The record is the answer
Solutions that fit
The same decision layer, pointed at the problems this team actually owns.
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.
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.
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.
Frequently asked questions
Common questions from audit teams evaluating 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.
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.
Two endpoints. Your backend calls POST /v1/decision with safe payment context and receives one instruction. You execute that instruction through your own providers, then report what happened to POST /v1/outcomes so future decisions keep improving. A server-side SDK wraps both calls.