> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payments.sardine.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction to Sardine Payments

> A complete Merchant of Record solution with hosted or headless options, powered by Sardine's risk and compliance platform.

Sardine Payments is a complete Merchant of Record (MoR) solution for crypto, Web3, and fiat use cases. We handle onboarding, payments, settlement, and compliance so you can launch fast and scale globally. Choose between our fully hosted checkout or headless APIs for a custom experience.

Our payments are built on Sardine's industry-leading risk and compliance platform. We apply the same fraud, KYC, and AML capabilities used by top banks to every transaction. The result? Higher approval rates, stronger fraud protection, and less operational overhead.

<Note>
  **Traditional payment solutions often struggle with:**

  * **High friction** during onboarding that hurts user experience
  * **Low approval rates** and high fees that frustrate customers
  * **Limited visibility** into performance and decline reasons
</Note>

## Key Features

<CardGroup cols="2">
  <Card title="Streamlined User Onboarding" icon="sparkles">
    We use real-time risk scoring to minimize document checks. Less friction leads to higher conversion and a smoother user experience.
  </Card>

  <Card title="Dynamic Limits & Higher Approvals" icon="money-bill-trend-up">
    Adaptive risk models allow for higher transaction limits for trusted users. This boosts average order value and retention.
  </Card>
</CardGroup>

<CardGroup cols="2">
  <Card title="Flexible Implementation" icon="arrows-cross">
    Select the integration that fits your needs. Use our hosted checkout to launch in minutes, or our APIs for a fully custom experience.
  </Card>

  <Card title="Performance Transparency" icon="chart-simple">
    Track approvals, conversion, and fraud rates in real-time. Our dashboards give you the insights needed to optimize performance.
  </Card>
</CardGroup>