Risk
Risk teams need graduated responses, not a binary approve or decline. Payinference evaluates each payment against the team's own thresholds and returns step up, hold or block as an explicit instruction. Scoring uses safe payment context only, and every decision carries reason codes the team can stand behind.
Blunt instruments and black boxes
Risk tooling tends to offer two bad options. Hard rules that decline too much, or vendor scores nobody can explain. Neither supports a measured response, and neither leaves a defensible record of why a specific payment was treated the way it was.
Measured responses you can explain
Solutions that fit
The same decision layer, pointed at the problems this team actually owns.
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.
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.
Frequently asked questions
Common questions from risk 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.
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.