Payments
Payments teams own approval rates and provider relationships, yet the logic that decides each payment usually lives in code they cannot touch. Payinference moves that logic into policy the team controls. Every payment is decided from live provider health, expected cost and the team's own rules.
You own the outcome but not the logic
Approval rate is the payments team's number, but routing and retry behaviour ship inside application code. Changing a preference means an engineering ticket and a deploy. Meanwhile provider health shifts hour by hour, and the stack keeps sending payments down the same path regardless.
The levers move to your side of the table
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.
Retry intelligence
Decide whether a failed payment is worth retrying and how. Same route, failover or stop is decided from retry policy and current provider health, not a fixed schedule.
Provider intelligence
A continuously refreshed, cached picture of the providers you already use. Health from probes and outcomes and expected cost per route are read by every decision.
Frequently asked questions
Common questions from payments teams evaluating 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.
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.