Each vertical has a distinct card-not-present fraud signature, and Specter pairs a fast local net with a scoped external call for each. Subscription merchants face card testing and free-trial abuse, met with burst velocity per IP and disposable-email blocks. Fashion faces reshipping of high-value goods, met with card velocity and billing-shipping country mismatch rules.

Travel platforms face high-value, non-recoverable bookings behind anonymized traffic; airlines face liquid, high-value tickets with rich booking-level tells such as passenger-not-cardholder on a one-way fare. In each case cheap local rules handle the obvious cases and a backend scores the ambiguous remainder.

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