Fraud Orchestration
Built for the day-to-day of running fraud and risk prevention, where a new rule, threshold change, or new backend shouldn't cost you a sprint, a ticket, or a migration project.
Ship new rules per API. Live in Minutes.
An analyst spots a wave of small authorizations coming from the same fingerprint. Instead of filing a change request, they write the rule and push it through Specter's API. No vendor SLA, no engineering sprint, no professional-services ticket standing between a pattern and a fix.
Catch Fraudsters That Split Traffic Across Acquirers.
A card-testing operation splits its traffic across two acquirers on purpose and each one sees a small, clean-looking pattern in isolation, because neither sees the other's transactions. Specter sits above the acquiring layer, so it can match the same card hash or device fingerprint appearing across acquirer boundaries and act on it directly, something no single acquirer's native fraud tool can do by construction, no matter how well it's tuned.
Add or Swap a Backend Without a Migration Project.
Trialing a new fraud model, replacing an underperforming vendor, or running a second scoring engine alongside the first doesn't require months of integration work. Pre-integrated backends like Visa Decision Manager and Ravelin are ready out of the box, and a custom or preferred backend can be added within a day, so the stack changes on your timeline.
Extend to a New Acquirer or Market Without Rebuilding Rules.
Onboarding a second acquirer, or launching in a market with its own risk profile, used to mean standing up a parallel fraud configuration from scratch. The same rule set follows the transaction regardless of which acquirer processes it, with local thresholds layered in per market. This way, expansion is a configuration change for risk, not a new integration project for engineering.
