Yes. Independent of Hub/Commerce.

Reduce declines, mitigate fraud, and keep subscriptions alive.

Primarily, but can vault other sensitive data (PII, GDPR).

Yes. Migration flows are supported.

Yes, no re-builds needed.

Auth, capture, refund, payout, settlement.

Yes, via Link adapters.

By default, yes, but can also be exposed standalone.

Early-stage; metrics & notifications first, AI later.

Hub events are observable via Pulse.

Yes, via Providers & Link.

Planned via AI-native features.

Flows are rule-based, with AI-native support on the roadmap.

Yes. Hub is PSP-agnostic.

Not directly; such services are integrated via Providers.

Yes. Hub can orchestrate flows for your own payment engine.

SDKs and APIs allow integration in days.

Single merchant, platform, and ecosystem.

Yes. It it is fully PCI compliant via Guardian.

No. Commerce is optional.

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

Yes, merchants define thresholds and rules in Hub.

Hub consumes the Specter Score and executes real-time policies

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

In-car payment technology transforms vehicles into secure payment platforms, allowing drivers to make transactions directly from their vehicles for services like fuel, parking, tolls, and other automotive-related services.

This technology integrates seamlessly with the vehicle's existing systems while maintaining high security standards.

In-car payments are secured through multiple layers of protection, including FIDO authentication, tokenization, and secure element technology.

The system uses advanced encryption and authentication methods to ensure that all transactions are protected, while maintaining compliance with global security standards.

Common use cases for in-car payments include:

Fuel and EV charging payments, Parking fees and tolls, Drive-through services, Vehicle-related subscriptions and Connected car services.

Businesses benefit from in-car payment integration through:

• Increased customer convenience

• Higher transaction completion rates

• New revenue opportunities.

The technology enables seamless payment experiences that can lead to increased customer loyalty and reduced transaction friction.

Implementation typically requires:

• Compatible vehicle infotainment system

• Secure payment processing infrastructure

• Integration with payment networks

• Compliance with automotive industry standards

• Connection to merchant services

Our payment orchestration platform allows charging networks to connect to multiple payment processors through a single integration, simplifying the payment ecosystem and creating redundancy in case of service outages.

This approach offers flexibility in processor selection, optimized costs, and enhanced reliability for EV charging infrastructure.

International EV charging networks face unique challenges with currency conversion, regional regulations, and cross-border payment acceptance.

Hellgate implements industry-leading security protocols and complies with PCI DSS standards to ensure secure transactions, regardless of where the charging session occurs.

Charging networks can address complex payment challenges through our platform:

• Managing multiple payment processors

• Optimizing transaction costs

• Supporting membership models

• Reconciling complex payment flows

• Improving authorization rates

• Implementing unified reporting across regions and business units

Charging station owners using orchestration platforms benefit from:

• Improved operational efficiency

• Reduced transaction costs

• Centralized reporting

• Enhanced customer experiences with flexible payment options

• Recurring billing capabilities

• The ability to scale operations seamlessly as they expand their charging network footprint

Implementation typically requires API integration with your existing charging management system, but minimal technical changes are needed.

Hellgate provides comprehensive documentation, SDKs, and implementation support to ensure a smooth transition to the new payment infrastructure with minimal disruption to your charging operations.

Airline payment orchestration technology transforms your payment infrastructure into a flexible, unified platform, allowing airlines to manage transactions across multiple channels, markets, and payment methods. This technology integrates seamlessly with your existing PSS and reservation systems while maintaining high security standards and optimizing authorization rates.

Cross-border airline payments are secured through multiple layers of protection, including tokenization, 3D Secure authentication, and secure element technology.

Hellgate's system uses advanced encryption and authentication methods to ensure that all transactions are protected, while maintaining compliance with global security standards including PCI DSS and regional regulations.

Common use cases for airline payment orchestration include:

• Direct ticket sales

• Refund processing

• Agency settlements

• Multi-currency transactions

• Corporate travel payments

• Ancillary revenue streams

• Alternative payment methods

• Loyalty program integrations across all booking channels

Airlines benefit from payment orchestration through:

1. Increased authorization rates

2. Lower processing costs

3. New revenue opportunities

The technology enables seamless payment experiences that lead to:

• Higher conversion rates

• Supports dynamic routing for optimal transaction success

• Reduces foreign exchange fees

• Minimizes operational overhead for reconciliation and settlement.

Implementation typically requires integration with your existing PSS/reservation system, connection to your finance and reconciliation systems, and access to your distribution channels.

Hellgate's platform manages integration with payment networks, handles compliance with payment industry standards, and connects to local and global payment methods through a single API.

Specter assigns a real-time risk score (0–100) to every transaction as it moves through Hellgate Hub. For chargeback-prone transaction patterns – first-time customers, high-value orders from high-risk geographies, unusual velocity – Specter triggers configurable policies: stepped-up verification, 3D Secure enforcement, or outright blocking. The score draws on device fingerprinting, geolocation, behavioral velocity, and token-level signals. Because Specter integrates natively with Hub as an independent CPA component – rather than a bolted-on third-party API – its scoring feeds directly into routing and decisioning with zero added latency. Backends such as Visa Decision Manager and Ravelin can be selected per use case.

→ Learn more about Specter [link: /cpa/specter]

Specter is backend-agnostic. It currently integrates with Visa Decision Manager, Worldpay FraudSight, Ravelin, and Featurespace ARIC Risk Hub. You select the backend or combination of backends that fits your transaction profile, geography, and risk appetite. Specter normalizes the output of each backend into a single Specter Score, which Hub then uses for decisioning. Adding a new backend does not require changes to your integration – it is configured at the platform level.

→ See all Specter backends 

Yes. Specter and Guardian are independent components of the Hellgate Composable Payment Architecture. Specter provides real-time fraud intelligence and risk scoring. Guardian provides PCI-compliant card vaulting and tokenization. They integrate naturally when both are in use – Specter can read token-level signals from Guardian to improve scoring accuracy – but each can be deployed standalone or alongside your existing payment infrastructure.

→ See Specter standalone options · Guardian overview 

A credit card vault is a PCI DSS-certified environment that stores cardholder data – primarily Primary Account Numbers (PANs) – on behalf of a merchant. Instead of storing raw card data in your own systems, you store a token: a non-sensitive reference that maps back to the original credential inside the vault. Because your own infrastructure never touches the PAN, it falls outside the most demanding PCI DSS requirements. The result is a dramatically reduced compliance scope – typically from SAQ D (hundreds of controls) to SAQ A (a short self-assessment).

→ Hellgate Guardian handles PCI vaulting for enterprise merchants · Full guide: Credit Card Vault

Hellgate Guardian is operated as a PCI DSS Level 1 certified service. When merchants route card data through Guardian, that data lives entirely within a certified cardholder data environment (CDE) operated by Hellgate – not within the merchant's own infrastructure. This means merchants can reduce their own PCI DSS scope significantly, often qualifying for lighter self-assessment questionnaires (SAQ A or SAQ A-EP) rather than full third-party audits. Guardian also supports the v4.0 requirement for customised implementation of multi-factor authentication and encrypted data transmission.

→ Hellgate Trustcenter · Guardian overview

A payment gateway connects your checkout to a single acquirer and passes the transaction through. A payment orchestration layer sits above multiple gateways and acquirers, deciding in real time which route each transaction should take. Hellgate Hub is Hellgate's orchestration fabric: it applies routing rules, handles failover, integrates fraud scoring from Specter, and gives you a single API interface across all your payment providers. The key difference is intelligence and portability: a gateway is a pipe, an orchestration platform is the logic that controls which pipe to use, and when to switch.

→ Learn more about Hub · Glossary: Payment Orchestration