Sardine Fraud Prevention is a platform designed for payment facilitators and merchant acquirers to manage merchant risk throughout the lifecycle. The platform provides merchant onboarding capabilities with KYB checks including UBO screening, OFAC watchlist verification, secretary of state records, domain analysis, TIN verification, and web presence validation. The system uses machine learning models to assess merchant risk during onboarding and throughout the merchant lifecycle. It includes access to proprietary card spend data covering over 40% of U.S. cardholder transactions to verify merchant transaction volumes against onboarding data. For payment fraud prevention, the platform analyzes device behavior and biometrics during checkout to identify emulators, bots, and fraudulent transactions. It provides chargeback prediction using over 4,800 ML risk features and includes pre-built rules for various fraud scenarios. The system monitors refund fraud by analyzing the complete purchase-to-refund journey. The platform offers portfolio monitoring capabilities with real-time visibility into merchant operations, authorization rates, dispute volumes, and risk changes. It includes configurable reporting, data analytics, and a connections graph to identify fraud rings across users, devices, IPs, phones, emails, and cards. Additional features include a no-code rules builder with hundreds of pre-built rules, dispute management with GenAI-generated evidence packages, and case management functionality. The platform integrates directly with payment processors for centralized dispute filing.