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Specter is a low-latency, high-throughput decision engine built for the Composable Payment Architecture. It combines fast in-process rules with backend integrations to external risk services for payment fraud prevention. By ingesting transaction data over time, it continuously improves detection.

Role in the Hellgate Cloud Platform

Specter gives you a straightforward way to encode complex fraud detection and prevention logic. It is built for composition and can be extended through Link to connect to virtually any external fraud-detection service. Like every service on the Hellgate Cloud Platform, Specter can be used standalone or in composition with other services.

Main features

Specter combines three sources of signal and control in a single ruleset.

Local rules

Standard FeatureConditions and velocity counters evaluated inside the engine — boolean expressions over the decision context plus rolling-window counts per card, customer, device, or IP. No external calls, evaluated in-process for minimal latency.

Blacklist

Standard FeatureField-based blocking with optional TTLs. Entries are managed through the Admin API or auto-populated from lifecycle events such as chargebacks and fraud reports.

Backends

Specter ConnectExternal risk engines — reached through a Link integration and invoked from backend rules to assess a transaction. Available on the Specter Connect edition.

Integration patterns

Specter offers two ways to put a fraud check in front of authorization. Both evaluate the same rulesets and return the same outcomes — they differ in where the integration lives. See the integration overview to choose the right approach for your situation.

Decision API

Your system calls POST /api/decisions before authorizing and branches on the result. Full control over the payment flow, with the richest request context.

Interceptor

Specter sits inline as a transparent proxy in front of your acquirer — forwarding approved transactions and returning a configured response for those it flags. Adds fraud checks with no backend changes.

Next steps

Plans & Access

Dedicated infrastructure, tiers, and how to obtain a Specter instance.

Authentication

Authenticate to your instance, and the scopes that gate each endpoint.