Specter assigns a real-time risk score (0–100) to every transaction as it moves through Hub. For chargeback-prone patterns – first-time customers, high-value orders from high-risk geographies, unusual velocity – it triggers configurable policies: stepped-up verification, 3-D Secure enforcement, or outright blocking. The score draws on device fingerprinting, geolocation, behavioural velocity, and token-level signals.

Because Specter integrates natively as a CPA component rather than a bolted-on API, its scoring feeds directly into routing and decisioning with zero added latency.

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