Rules of the form "email or card linked to fraud in the last N days" map onto Specter's blacklist, which supports a TTL and can be auto-populated from lifecycle events such as a chargeback, a fraud report, or a failed transaction. Report the fraud once and the entry lands on the blacklist with, for example, a 60-day expiry.

Future transactions then match automatically, with no manual list-keeping, and the entry ages out when the TTL lapses. This closes the loop between confirmed fraud and future blocking while keeping your lists clean.

→ See blacklists and lifecycle events