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The intelligence layer for payments
Three phases. One continuous loop. Every transaction makes the next one smarter.
Aggregate payment, identity, issuer, and acquirer data into a unified signal stream. Every cardholder. Every BIN. Every acquirer pattern.
Behavioral AI scores approval probability in under 15ms. The single highest-confidence route is selected before the processor ever sees the transaction.
Every outcome feeds the model. Issuer shifts trigger automatic recalibration. No manual rule updates. No threshold tuning. No stale logic.
60–70% of soft declines are recoverable with the right behavioral context. Sayfin recovers them silently before the processor ever returns a decline code.
Agentic commerce operates at machine speed. Transactions are initiated by autonomous software agents. Small inefficiencies compound rapidly. Decision intelligence becomes structural.
Every retry attempt carries a network fee, interchange cost, and customer friction penalty. Sayfin scores approval probability before you route — so you only send transactions that will succeed.
Latency
<15ms
Pre-auth decision latency p95
Approval Lift
+2–7%
Average authorization lift across deployments
Recovery
20–40%
Soft declines recoverable pre-attempt
Cost
$0
Wasted retry fees on predicted failures
Static retry loops waste fees on transactions that have already failed behaviorally. Sayfin intercepts before the processor sees them.
Get access →Every retry attempt carries a network fee, interchange cost, and customer friction penalty. Sayfin scores approval probability before you route — so you only send transactions that will succeed.
01
Soft declines are recoverable.
Unlike hard declines, soft declines represent real customers whose transactions can be routed correctly. 60–70% can be recovered with probabilistic intelligence.
02
Involuntary churn compounds the loss.
Subscription failures from soft declines silently erode MRR. Every failed retry is a customer you lose without knowing why.
03
Static rules cannot adapt.
Issuer behavior shifts in real time. Rule-based routing can't keep pace. Every change requires a human to intervene.
04
Silos blind the entire stack.
Each PSP sees only its own data. No cross-network intelligence. No pattern recognition across issuers or BINs.
One API call. Your existing stack stays intact. HMAC-SHA256 authentication. Python and TypeScript SDKs. Full REST API. Full fail-safe if unreachable.
Integration
Single API endpoint. HMAC-SHA256. Python and TypeScript SDKs. Your stack stays intact.
Model Training
Ingest historical logs. Train a dedicated model on your exact traffic patterns.
Shadow Mode
Live predictions. Zero production impact. Compare our routing vs. yours.
Go Live
1% to 100%. Scale with measured uplift. Pay only when we perform.
Non-intrusive
One API endpoint. Nothing else changes.
Fail-safe
If Sayfin is unreachable, transactions route normally. Always on.
Performance-based
You only pay when we perform.