Sardine supports a wide range of payment methods so you can meet users wherever they are. You can enable all options or configure only the ones that make sense for your business. Our platform manages fraud, compliance, and authorization for every transaction. The result is higher approval rates, lower fraud, and less friction for your users.

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Support

Payment MethodRegionOn-RampOff-Ramp
Instant ACH / Bank TransferUS
Credit / Debit CardGlobal
Apple PayGlobal
Google PayGlobal
SEPAEU✓

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Instant ACH and Bank Transfer

Users in the United States can link a bank account and fund transactions instantly with Instant ACH, or use a standard ACH transfer that settles in two to three business days. All connections are made securely through trusted bank-linking providers. Bank transfers are a cost-effective funding method and give users confidence by keeping full control of their accounts.

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Credit and Debit Cards

Global card network support allows users to fund transactions quickly and securely. Sardine operates as the Merchant of Record, managing authorization, fraud checks, and disputes. This reduces false declines and improves acceptance rates. Fees vary by market and card type.

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Apple Pay and Google Pay

Users can complete purchases instantly using Apple Pay or Google Pay. These wallet options remove the need to re-enter payment details, create a smoother mobile experience, and increase conversion at checkout.

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SEPA Bank Transfer

For users in the European Union, SEPA transfers provide a reliable way to fund accounts or withdraw directly to their bank. Sardine supports both on-ramp and off-ramp SEPA flows with built-in KYC and fraud protection.