Sardine Payments gives you a complete Merchant of Record (MoR) solution for your crypto, Web3, or traditional fiat use cases. We handle customer onboarding, payment authorization, settlement, and compliance so you can launch quickly and scale globally. Choose between fully hosted flows or headless APIs that integrate directly into your product experience. What sets us apart is that our payments are built on top of Sardine’s risk and compliance platform. The same fraud, KYC, and AML capabilities that power leading banks and fintechs are applied at every step of the transaction flow. This means higher approvals, stronger protection, and lower operational overhead for your team.
Implementing a payments solution can be a painful process:
  • Many high-friction steps during onboarding and approval create poor user experience
  • High fees and low approval rates frustrate customers and reduce retention
  • Limited visibility into performance makes it difficult to optimize conversion

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Key Features

Streamlined User Onboarding

Our fraud and risk expertise allows us to reduce unnecessary document checks for most users. Less friction means higher conversion rates and a smoother start-to-finish experience.

Dynamic Limits and Higher Approvals

Adaptive risk models and progressive transaction limits let more good users transact. This increases average order sizes, retention, and overall approval rates.

Flexible Implementation

Choose the integration path that fits your business. Use hosted checkout flows to get live quickly or our APIs to create a fully custom headless experience.

Transparency into Performance

Track approvals, conversion, and fraud outcomes with Sardine’s dashboards. Get clear insights to measure performance and identify opportunities to improve.