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Hellgate Specter - Fraud Prevention Orchestration
Highlights
Single Integration Layer
Connect multiple fraud prevention, risk and 3DS providers through one single integration. Specter ends fraud vendor lock-in. Evaluate, compare and switch providers freely, without re-integrating each time. Your architecture belongs to you, not the vendor.
Smart Routing
Route each transaction dynamically to the right provider. Specter routes by region, use case, cost or risk profile, playing to the strengths of each tool. This maximizes detection rates while minimizing cost and friction.
Central Decision Logic
Define your fraud rules in one central place instead of scattered across individual providers. Rules can be versioned and audited, so every decision stays traceable. You keep control over your logic rather than relying on a single vendors black box.
Data Sovereignty
Your transaction and decision data stay under your control, hosted in the EU. Sensitive data flows through your own orchestration layer, not a third-party vendor stack. You meet regulatory requirements and retain full ownership of your data.
Overview
Vendor
Delivery method
Software as a Service (SaaS)
Categories
Business Applications, Infrastructure Software, Internet of Things + 1 more categories
Product description
Specter is the fraud prevention orchestration component of Hellgates Composable Payment Architecture. It sits between your checkout and your fraud prevention, risk and authentication providers, giving you a single integration point and a central place to define decision logic. Instead of hard-wiring your business to one fraud prevention vendor, Specter lets you connect several providers in parallel through one integration, compare them, and route each transaction to the tool that fits the use case, region or risk profile. You keep ownership of your rules, your data and your decisions. Key capabilities 1. Provider-independent orchestration: connect multiple fraud prevention, risk and 3DS/authentication providers behind a single integration. 2. Central decision logic: define, version and audit your own rules rather than depending on a single vendors black box. 3. Smart routing: send each transaction to the right provider based on region, use case, cost or risk. 4. Data sovereignty: transaction and decision data stay under your control, hosted in the EU. 5. One integration for provider evaluation and migration: A/B test and switch fraud prevention providers without re-integrating. 6. Part of the Composable Payment Architecture: works alongside Hellgate Commerce, Guardian and Link. Who is it for? Merchants, PSPs and platforms that want to reduce fraud prevention vendor lock-in, run multiple risk tools in parallel through one integration, and retain control over fraud decisioning and data.