Engineering
For engineering the whole surface is two endpoints. Call the decision endpoint before charging and report the result afterwards. Schemas are strict and reject card data at the boundary, the decision path targets under 50 ms at p95 with typical decisions around 1 ms, and a server side SDK wraps both calls. Routing logic stops being your backlog.
Payment logic is a permanent tenant in your codebase
Routing rules, retry loops and risk checks accumulate in application code, each one a small change that never leaves. The payments backlog competes with product work, every rule change is a deploy, and the code's behaviour is documented nowhere but the code itself.
A small, sharp integration
Solutions that fit
The same decision layer, pointed at the problems this team actually owns.
Payment optimization
Choose the best action for every payment before it is sent. Routing, failover and fallback are decided per payment from live health, cost and policy signals.
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.
Agent control
Put enforceable spend, scope and provider guardrails in front of agent-initiated payments. They are evaluated on every decision, before money moves.
Frequently asked questions
Common questions from engineering teams evaluating Payinference.
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.
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.
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.