Specter evaluates signals such as device fingerprinting, geolocation, behavioural velocity (rolling-window counts per card, customer, device, or IP), and token-level data – without ever exposing sensitive card details. These feed both in-process rules and external risk backends.

The combination lets Specter catch patterns typical of fraud – unusual velocity, mismatched geographies, high-risk device signals – while keeping sensitive data protected.

→ See how Specter evaluates transactions