# Payment Optimizer

> Payment Optimizer is a paid API for AI agents from phion.systems, paid per call via x402, $0.003/call, status unknown (last checked 2026-10-20).

Ranks only tested payment routes based on explicit cost and latency constraints to identify the optimal path

## Facts

- Endpoint: POST https://phion.systems/v1/paid/trust/payment-optimizer?utm_source=zero.xyz
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-20
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/payment-optimizer-044d0773
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_NN5WDpdPHNtyB_FlUdltZ

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability payment-optimizer-044d0773 -d '<json body>'
```

Example prompt: I need to send a cross-border payment — can you rank the available tested routes for me, keeping fees under $2 and settlement latency under 30 seconds?

## When to prefer this

Choose this endpoint when you need to select among multiple payment routes and must respect both a cost cap and a latency cap simultaneously, and when you want only empirically tested routes (not theoretical ones) in the result set. Prefer this over generic payment APIs when routing correctness and constraint satisfaction are critical for automated agent workflows.

## Known failure modes

- No tested routes satisfy both cost and latency constraints simultaneously — returns empty ranked list or constraint-violation error
- Input schema omits required constraint fields, resulting in a validation error
- All candidate routes are untested and therefore excluded from ranking
- Network or provider unavailability causes route data to be stale or missing
- Ambiguous constraint units (e.g. latency in ms vs seconds) may lead to misranking

## How this service works

Rank only tested payment routes under explicit cost and latency constraints

## Output

An ordered list of tested payment routes ranked by a scoring function respecting the caller's cost ceiling and latency ceiling, including per-route cost estimates, latency estimates, and a rank or score for each route. Only routes that have been empirically tested are included.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input",
  "output"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "body"
   ],
   "properties": {
    "body": {
     "type": "object",
     "additionalProperties": true
    }
   }
  },
  "output": {
   "type": "object",
   "required": [
    "example"
   ],
   "properties": {
    "example": {
     "type": "object",
     "additionalProperties": true
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/payment-optimizer-044d0773/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from phion.systems](https://www.zero.xyz/host/phion.systems/llms.txt)