Specter offers two integration patterns. The Decision API has your system call POST /api/decisions before authorizing and branch on the result – maximum control and the richest context. The Interceptor sits inline as a transparent proxy in front of your acquirer, forwarding approved transactions and returning a configured response for those it flags – adding fraud checks with no backend changes.

Both evaluate the same rulesets and return the same outcomes; they differ only in where the integration lives.

→ Compare Specter integration patterns