Specter is the fraud prevention orchestration component of Hellgate's 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 vendor's 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.