Specter stops fraud
before it happens

Specter analyzes every transaction as it moves through your payment flow, assigning a Specter Score and automatically blocking bad actors before they reach your checkout. No separate tools, no extra latency. Just intelligent, invisible fraud protection that scales with your business

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Fraud shouldn’t be a hidden cost of doing business

Fraud drains revenue, triggers chargebacks, and slows down legitimate customers. Teams waste time chasing false positives, juggling third-party fraud tools, and patching together manual review processes that can’t keep up with modern transaction speeds.

The result?

Losses, frustrated customers, and a growing operational burden that stalls scale and eats into margins.

Rising chargebacks
Manual reviews
Inaccurate tools

Introducing Hellgate Specter:
No false positives, no friction.
Just real-time, adaptive fraud intelligence.

1
Analyze

Every transaction is assessed by Specter’s risk engine in milliseconds, using device, geo, velocity, and token data to calculate a dynamic fraud score.

2
Decide

Hub uses this score to trigger configurable rules and policies in real-time, from auto-approval to stepped-up verification or blocking.

3
Adapt

Specter continuously learns from outcomes, refining accuracy and reducing false positives. So protection gets smarter with every transaction.

Real-Time Risk Scoring

Every transaction is evaluated within milliseconds, generating a Specter Score (0–100) that predicts the likelihood of fraud - keeping your payment flow fast, secure, and uninterrupted.

Adaptive Fraud Intelligence

Specter continuously learns from outcomes and feedback loops, reducing false positives over time and improving accuracy as your data grows.

Seamless Hub Integration

Fully embedded within Hellgate Hub, Specter applies its risk insights to routing and decisioning instantly: Blocking fraud, rerouting transactions, or triggering verification steps automatically.

Configurable Policies

Define your own rules and thresholds by geography, channel, or risk appetite. Specter adapts to your business logic instead of forcing you into rigid templates.

Low Latency, High Confidence

Specter’s fraud checks operate invisibly in real time, minimizing disruption while preserving the speed and approval rates your customers expect.

Continuous Protection

As part of the Hellgate CPA fabric, Specter strengthens every payment module - providing always-on, infrastructure-level fraud defense across your entire stack

Hellgate Specter is perfect…

For teams tired of chasing fraud instead of growth

Specter automates what most teams still do manually: Analyzing every transaction in real time and blocking fraud before it hits your balance sheet. No more rule spreadsheets, vendor juggling, or endless manual reviews.
Just intelligent protection built into your flow.

For SaaS, marketplaces, and mobility platforms exposed to high transaction volumes

Fast-moving platforms need to detect fraud without slowing down customers. Specter evaluates every payment in milliseconds, assigning a Specter Score and triggering adaptive rules to keep good users flowing while stopping bad actors.

If you’re done patching together disconnected fraud tools

Specter works natively inside Hellgate Hub, removing the need for separate fraud APIs or middleware. One integration gives you scoring, decisioning, and continuous learning.
All without additional latency or infrastructure overhead.

For product and risk leaders who want control, not lock-in

Specter adapts to your policies, thresholds, and risk appetite - not the other way around. Configure your own logic by market or channel, and evolve your fraud model as your business grows, without being bound to a single provider.

Use-cases

Merchants & Platforms

Protecting Revenue from Everyday Fraud

Reduce chargebacks, protect approval rates, and keep operations running smoothly.

Marketplaces & Mobility Networks

Fraud Prevention at the Speed of Scale

Prevents abuse, account takeovers, and payout fraud without adding friction for legitimate users.

Regulated Industries

Compliance-Grade Fraud Defense

Specter integrates natively with Guardian for end-to-end protection.

Real-Time Protection

Safeguard Revenue

Maintain Trust

Boost conversion

Stay Compliant

See Specter in action

Built on
Hellgate CPA Infrastructure

Built on
Hellgate CPA Infrastructure

Built on
Hellgate CPA Infrastructure

Hellgate's Composable Payment Architecture (CPA) enables businesses to choose the modules they need or combine them with their existing engine, PSPs, or providers.

Hellgate® CPA

Commerce

Payment Engine

Hub

Orchestration Fabric

Guardian

PCI Vault & Tokenization

Specter

Fraud Intelligence layer

Link

PSP Abstraction

Pulse

Observability & Metrics

Specter analyzes each payment event in real time and feeding its fraud score directly into the Hub, where routing and decision logic are executed.

Hellgate® CPA

Commerce

Payment Engine

Hub

Orchestration Fabric

Guardian

PCI Vault & Tokenization

Specter

Fraud Intelligence layer

Link

PSP Abstraction

Pulse

Observability & Metrics

Specter analyzes each payment event in real time and feeding its fraud score directly into the Hub, where routing and decision logic are executed.

Hellgate® CPA

Commerce

Payment Engine

Hub

Orchestration Fabric

Guardian

PCI Vault & Tokenization

Specter

Fraud Intelligence layer

Specter analyzes each payment event in real time and feeding its fraud score directly into the Hub, where routing and decision logic are executed.

Link

PSP Abstraction

Pulse

Observability & Metrics

Fraud prevention made programmable.

Specter plugs directly into the Hellgate Hub to deliver real-time fraud intelligence without extra infrastructure or latency. Every transaction is scored through a clean API interface, and configurable policies let you tailor decisioning logic to your risk model - all without juggling separate fraud tools or SDKs.

Single fraud API across providers and regions

Real-time scoring and rule execution via Hellgate Hub

Customizable thresholds and policies through configuration

Detailed event logs and Specter Score feedback for tuning models

See Specter in action

output_mapping = %{
  "headers" => %{
    "vdm-risk-score" => "$.risk_score",
    "vdm-decision-result" => "$.decision_result"
  },
  "body" => %{
    "pspReference" => "$.pspReference",
    "resultCode" => "$.resultCode",
    "additionalData" => "$.additionalData",
    "amount" => "$.amount",
    "merchantReference" => "$.merchantReference",
    "paymentMethod" => "$.paymentMethod"
  }
}

steps = [
  %Step{
    name: "convert_to_minor_units",
    provider: %Setup{
      module: AmountConversion,
      config: [direction: :from_minor, decimals: 2]
    },
    input_mapping: %{
      "input_amount" => "$.amount.value"
    },
    output_mapping: %{
      "amount_minor" => "$.output_amount"
    },
    routing: "visa_decision_manager"
  },

Real-Time Risk Scoring

Configurable Rules & Policies

Frictionless Customer Experience

Stay protected
without slowing down.

Specter brings intelligent fraud prevention to your payment flow - automatically analyzing every transaction in milliseconds to stop bad actors without blocking good customers.

From adaptive scoring to real-time rule enforcement, Specter keeps fraud under control while maintaining the seamless experience your users expect.

That means fewer chargebacks, fewer false positives, and zero friction for legitimate transactions

FAQ

FAQ

FAQ

What data does Specter analyze?

Device, geo, velocity, token data – never exposing sensitive details.

What data does Specter analyze?

Device, geo, velocity, token data – never exposing sensitive details.

What data does Specter analyze?

Device, geo, velocity, token data – never exposing sensitive details.

Can thresholds be customized?

Yes, merchants define thresholds and rules in Hub.

Can thresholds be customized?

Yes, merchants define thresholds and rules in Hub.

Can thresholds be customized?

Yes, merchants define thresholds and rules in Hub.

How does Specter connect to Hub?

Hub consumes the Specter Score and executes real-time policies

How does Specter connect to Hub?

Hub consumes the Specter Score and executes real-time policies

How does Specter connect to Hub?

Hub consumes the Specter Score and executes real-time policies

Is Specter standalone?

Specter can work standalone with basic Hub. Full rule appliance and advanced decisioning require the CPA Hub.

Is Specter standalone?

Specter can work standalone with basic Hub. Full rule appliance and advanced decisioning require the CPA Hub.

Is Specter standalone?

Specter can work standalone with basic Hub. Full rule appliance and advanced decisioning require the CPA Hub.

See Specter in action

Let our product specialists guide you through the product, touch upon all functionalities relevant for your individual use case and answer all your questions directly.

Talk to an engineer

Contact Sales

See Specter in action

Let our product specialists guide you through the product, touch upon all functionalities relevant for your individual use case and answer all your questions directly.

Talk to an engineer

Contact Sales

See Specter in action

Let our product specialists guide you through the product, touch upon all functionalities relevant for your individual use case and answer all your questions directly.

Talk to an engineer

Contact Sales