Compliance
Compliance needs payment behaviour to be stated, consistent and reviewable. Payinference makes the rules explicit in version controlled policy, applies them identically to every payment, and records each decision with reason codes and the policy version in force. The system never touches card data or customer identity.
The policy exists only as behaviour
In most stacks the effective payment policy is whatever the code currently does. There is no document that states it, no version history behind it, and no way to show a reviewer what the rules were on a given date. Every question becomes an investigation.
Rules you can point to
Solutions that fit
The same decision layer, pointed at the problems this team actually owns.
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.
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.
Risk decisions
Turn risk signals into one executable instruction. Step-up, hold or block is scored on safe payment context against your own thresholds, with reason codes on every decision.
Frequently asked questions
Common questions from compliance teams evaluating Payinference.
No. The API accepts only safe payment context, such as amount, currency, country, payment method and network-level signals. Request schemas are strict and reject PANs, CVVs and customer identity at the boundary, so card data cannot enter the system even by accident.
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.
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.