The decision layer
for payments
Payinference evaluates provider health, cost, risk and merchant policy in real time and returns one executable decision for every payment — route, use default route, step-up, hold, retry, failover or block — before it's sent for processing.
Payinference helps merchants, platforms, and agent systems decide what should happen to a payment before it touches the rail.
The architecture behind every decision
Payment Intelligence gathers the inputs, Policy Manager sets the rules, the Decision API returns one executable instruction, and Observability records the outcome. One neutral layer above your existing payment stack. Payinference never moves money or replaces your processor.
Payment Intelligence
01Ingest payment context, PSP telemetry, provider health, risk signals, cost and retry data, and outcome feedback, the inputs every decision is made from.
Data ingestionPolicy Manager
02Define decline rules, routing preferences, risk thresholds, retry rules, payment controls, and agent guardrails. Your policy, version-controlled.
RulesDecision API
03Evaluate every payment signal against policy and return one executable instruction, one of route, use default route, step-up, hold, retry, failover, or block. The inference engine runs behind it.
One instructionObservability
04Track decision logs, policy results, reason codes, outcomes, explainable records, and audit trails. Replay why any instruction was made.
EvidenceOne call before you charge
One call evaluates provider health, cost, risk and your merchant policy, and returns a single structured instruction, one of route, use default route, step-up, hold, retry, failover or block, with reason codes, route scores and per-signal confidence explaining why. You execute it on your own stack and report the outcome back.
const payinference = new PayInferenceClient({
apiKey: process.env.PAYINFERENCE_API_KEY,
merchantId: "m_123",
});
const decision = await payinference.decide(
{
order_id: order.id,
transaction: {
amount: 129900, currency: "USD",
country: "US", payment_method: "card",
},
available_providers: ["adyen", "stripe"],
},
{ idempotencyKey: order.id }
);
if (decision.action === "route") {
await psp.authorize(decision.route.primary_provider, order);
}
await payinference.recordOutcome({
decision_id: decision.decision_id,
order_id: order.id,
provider_used: "adyen",
outcome: "approved",
provider_latency_ms: 412,
amount: 129900, currency: "USD",
});A decision layer for agentic payments
As agents and machines initiate more transactions, payment systems will need policy, guardrails, decisioning, and observability before money movement. Payinference is building the neutral decision layer for that shift.
Pay per decision, never per dollar
Every account starts with 1,000 free decisions a month. Beyond that, pricing is metered per decision with automatic volume discounts. There is no platform fee, no integration fee and no percentage of your payment volume.
Integrate the Decision API and run real decisions on your own stack, with no card required, no platform fee and no integration fee.
Start for free- 1,000 free decisions every month
- All seven instructions
- Shadow mode included
- Full reason codes & scores
- Developer docs & support
Usage-based pricing that meters decisions, not dollars. Pay only for what you decide beyond the free tier.
Start for free- Everything in Free
- $0.05 per decision after the free 1,000
- Automatic volume discounts from 1M / mo
- Shadow and enforce modes
- Decision logs, replay & audit trail
Committed-use pricing for global, multi-provider, high-volume payment stacks.
Talk to sales- Committed-use discounts
- Dedicated decision region
- Policy & model tuning
- Guided onboarding & integration support
- SSO, audit log, DPA