Gr4vy adds Sardine tools to unify fraud & payments

Gr4vy has added Sardine's fraud prevention and anti-money laundering tools to its payment orchestration platform, giving merchants a single integration for screening, monitoring, and risk decisioning during payment processing.

The tie-up brings fraud checks and compliance controls into the orchestration layer that manages payment routing and methods across providers. It targets merchants that want risk tools embedded in payments operations rather than run as separate systems.

Fraud has become a routine cost for many online businesses. Citing research, the companies said 98% of businesses experience at least one form of fraud each year. The integration comes as merchants face growing complexity across payment types, regions, and checkout experiences, alongside higher expectations from regulators and card schemes.

Sardine provides real-time fraud detection and AML tooling, using signals such as device intelligence and behavioural biometrics. It also offers Bank Secrecy Act and AML capabilities for businesses that need controls tied to customer onboarding and ongoing monitoring.

Gr4vy runs a cloud-based payment orchestration platform that sits between a merchant and its payment service providers, managing routing, failover, and configuration across payment methods. Gr4vy says its platform provides access to more than 400 payment methods and third-party tools through a single integration.

Single connection

Under the integration, Gr4vy customers can activate Sardine's fraud and AML tooling through a single connection within the orchestration layer, reducing the need for additional engineering work to add risk controls to a payment flow.

The combined setup includes real-time transaction monitoring, fraud interdiction, and AML controls. Merchants can automate decisions to accept, review, or block transactions. The companies said automation can reduce manual reviews and false positives while keeping checkout speed consistent.

Merchants can also update risk logic without disrupting payment routing, which is important for teams that frequently adjust rules and models as fraud patterns change, particularly during peak trading periods.

Sardine said it supports enterprises operating in more than 70 countries and has screened more than $1T in transaction volume for 565 million consumers and 2.7 million businesses.

Data feedback

The integration also links payment outcomes to Sardine's fraud models. Gr4vy's event streaming shares transaction outcomes with Sardine, which the companies said helps improve detection accuracy over time as models incorporate feedback from approvals, declines, and subsequent outcomes.

The product set includes device fingerprinting and behavioural biometrics, plus webhook updates that relay risk decisions and other signals across payment flows. These tools sit alongside the orchestration layer's payment routing features.

Risk and payments teams often use separate systems for fraud management and transaction routing. The companies positioned the integration as a way to unify those workflows, particularly for businesses operating across multiple geographies and payment methods.

John Lunn, founder and CEO of Gr4vy, said the integration reflects shifting merchant views on where fraud controls should sit within the payments stack.

"Fraud prevention shouldn't slow down payments; it should improve how decisions are made," Lunn said. "By integrating Sardine, merchants can manage fraud detection and payment orchestration together while preserving the flexibility and speed required to operate at scale."

Sardine's leadership linked the partnership to the operational reality of payments risk and the need to meet compliance requirements without adding friction at checkout.

"When you have payments, you will inevitably have fraud. And as payment ecosystems become more complex, merchants need solutions that can address risk and compliance without impacting performance," Soups Ranjan, CEO and Co-Founder of Sardine, said.

"Our partnership with Gr4vy allows merchants to run fraud and AML controls through a single integration, simplifying how risk is managed across payment methods and geographies."

Payment orchestration has become a common approach for larger merchants seeking redundancy across providers and flexibility when adding payment methods. As more businesses centralise payment configuration, orchestration platforms have also become a place to integrate adjacent functions such as fraud checks, identity tools, and compliance workflows.

The companies said the integration is available to Gr4vy customers, who can switch on the combined fraud and AML tooling through the orchestration layer as they review payment routing and risk settings.