Pulse

What Pulse is

Pulse is a branded payment-processing service for software platforms. A platform connects it through an API or software development kit, then presents payment options under its own brand. Merchants apply through that software instead of setting up the payment experience separately.

Pulse describes its service as handling onboarding, business verification, underwriting and processing connections. It supports card payments, ACH or bank transfers, recurring payments and payment operations such as authorizations, captures, voids, refunds and settlement.

Pulse provides payment infrastructure inside a software platform, but the platform description does not tell you what your business will pay.

How Pulse fits into a payment

When a customer pays through a platform using Pulse, the payment interface appears inside the platform's product. Pulse connects the transaction to a processing partner behind the scenes, while the platform can manage payment functions such as refunds and settlement.

Pulse also describes tools for matching settled transactions with processor deposits and viewing discrepancies. That reconciliation matters because an unsettled transaction, a processor deposit and a platform report are different records that should match before you treat a payment as fully accounted for.

What Pulse means for your costs

Pulse's public feature information does not state merchant processing rates, transaction fees, setup fees or monthly charges. It also does not say which party sets or bills each charge. A revenue-share example on the page does not establish your price or the amount your business pays.

Review your merchant statement for transactions, fees, chargebacks and net deposits, the categories Pulse says its reporting can show. Compare those amounts with your pricing terms, including the processing rate, per-transaction charges and any software or monthly fees. Pulse is a payment service, while a debit network routes eligible debit transactions.

Who handles payment operations

Pulse says it handles merchant onboarding and underwriting for platforms, and offers payment credentials and processing connections. Its service also includes chargeback case tracking and evidence uploads, but the feature information does not state a general response deadline or a chargeback fee.

For your own books, compare settled transactions with processor deposits and the net deposits shown in reporting. Pulse gives an example of a deposit discrepancy, which illustrates why reconciliation matters: an unexplained difference affects the amount you expect to reach your business bank account.

What you can actually change

Pulse does not publish a merchant fee schedule on its feature page, so the platform description alone cannot tell you whether your pricing is competitive. Focus on the written terms, statement charges and deposit records for your account.

• Match every statement fee to a written rate or monthly charge in your pricing terms.
• Compare settled transactions with processor deposits and investigate any unmatched amount.
• Confirm which company handles billing, refunds and chargeback responses for your account.
• Separate software charges from card-processing charges when you compare total payment costs.

1. 01
   Get the full pricing. Request a written list of processing, platform, monthly and per-transaction charges before you compare offers.
2. 02
   Reconcile each deposit. Match settled transactions to processor deposits and your bank records so discrepancies do not go unnoticed.
3. 03
   Map payment responsibilities. Identify which company bills your account and which handles refunds, settlement and chargeback cases.

Frequently asked questions