Modern fraud prevention for merchant acquiring
Onboard more good merchants, reduce portfolio-wide chargeback rates, and protect yourself from bust-out fraud.
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Run a high performance merchant acquiring business
Complete solution to streamline merchant onboarding, improve key risk metrics, and monitor the health of your entire portfolio.
Quickly onboard more good merchants
Lower portfolio-wide chargeback rates
Monitor your merchant portfolio in real-time
See your merchant’s true risk level
Equip merchants with advanced payment fraud protection
Streamline risk operations across your portfolio
Out of the box risk tools designed for
the needs of your merchants
Provide real-time fraud protection with the very best risk scoring to your clients, opening new revenue streams for your business.
Take down organized fraud rings in one-click
- Uncover suspicious connections between users, devices, IP, phone, email, and cards that may indicate scams
- Look across all of your merchants and surface any trends or attacks affecting multiple customers in a single view
- Quickly take down entire fraud networks and stop users from abusing policies around promotions and refunds
Easily build, test, and deploy fraud monitoring rules
- Bundled with hundreds of pre-built rules for payment fraud, account takeovers, bot attacks, and refund fraud
- No-code rules editor makes it easy to launch and modify rules with minimal engineering resources
- Optimize rule performance by back-test existing rules or trial new rules in shadow mode
Build more compelling evidence to drive up win rates
- GenAI agent prepares evidence packages on your behalf
- Custom templates with support for processor-specific requirements, reason codes, and dispute types
- Direct integrations into payment processors for easy
one-click filing from a centralized Sardine dashboard
Early prediction of high-risk merchants
Sardine identified that 2.5% of onboarded merchants exhibited anomalous behavior, signaling potential future losses.
Built custom merchant fraud ML model
Unique features:
- Volume of keyed transactions
- High decline rates
- High velocity BIN attacks
- Odd hour transactions
- AVS no match
- High dollar transaction
- High refund rate
Payment Facilitator uses Sardine to lower fraud rates and reduce friction during merchant underwriting
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Building blocks for real-time fraud prevention
Card Payment Fraud
Predict chargebacks and signs of stolen card usage, such as sudden spikes in transaction volume or geographically inconsistent transactions.
Advanced Bot Detection
Stop carding attacks, credential stuffing, and reseller bots. Using deep signal analysis and ML, we detect dozens of sophisticated bots and scrapers.
ML Feature Store
Built for data science and ML teams for training and optimizing their own risk models using Sardine’s library of over 4,800 pre-computed risk features.
