Question 1

What is Pulse?

Accepted Answer

Pulse is a full-service PayFac-as-a-Service platform built for vertical SaaS companies and independent software vendors (ISVs). Pulse embeds payments directly into your software platform: our in-house team sells payment processing to your existing customers, boards and underwrites every merchant, and handles all ongoing compliance, risk monitoring, and payouts. You earn a revenue share on the net payments volume your platform generates, with no payments infrastructure to build or manage.

Question 2

Who is Pulse for?

Accepted Answer

Pulse is built for vertical SaaS platforms and ISVs that want to add embedded payments and a new revenue stream without standing up a payments team. If your software serves merchants or businesses that accept card payments, Pulse can turn that existing customer base into a source of recurring payments revenue for your platform.

Question 3

Do I need to build my own payments team or payments infrastructure?

Accepted Answer

No. That is the core value of Pulse. Pulse provides the full payments stack: an in-house sales team that converts your existing customers to payment processing, a merchant boarding and underwriting operation, ongoing risk monitoring, KYC and OFAC compliance, PCI-aligned security, and automated payouts. Your engineering team integrates once via API or white-label checkout, and Pulse operates everything behind the scenes.

Question 4

How does the revenue share work?

Accepted Answer

Pulse earns a margin on the net payments revenue processed through your platform. You receive a revenue share on that same volume. Because Pulse fronts the sales effort, merchant services infrastructure, and compliance costs, the revenue share you earn is pure upside with minimal overhead. The more payment volume your customer base generates, the larger the recurring revenue stream for your platform.

Question 5

How quickly can my platform go live with embedded payments?

Accepted Answer

Most software platforms are live in a matter of weeks. Pulse offers a REST API for custom integrations and a white-label hosted checkout for platforms that want a no-code embed. Once your integration is in place, Pulse starts boarding your merchants immediately. There is no lengthy certification process or acquiring bank negotiation required on your side.

Question 6

Which payment processors does Pulse support?

Accepted Answer

Pulse supports multiple acquiring processors including Fiserv, NMI, TSYS, First Data, Stripe, and Maverick. Multi-processor support means Pulse can route merchants to the best-fit processor for their business type, volume, and risk profile without any additional work from your platform.

Question 7

Who handles merchant underwriting, compliance, and risk?

Accepted Answer

Pulse handles all of it. Our team runs KYC and OFAC screening using Plaid, Smarty, ID.me, and Sovos, underwrites each merchant application, and monitors transaction risk in real time after boarding. Pulse holds the compliance and risk obligations so your platform is not exposed to merchant liability or regulatory burden.

Question 8

Is Pulse secure and PCI-compliant?

Accepted Answer

Yes. Pulse uses tokenization to ensure raw card data never touches your servers or ours unnecessarily. Our infrastructure is PCI-aligned, and every merchant transaction flows through a complete audit trail. Sensitive data is encrypted at rest and in transit. Pulse also uses e-sign workflows via Documenso for merchant agreements, producing legally binding documentation for every account.

Question 9

What does the merchant experience look like?

Accepted Answer

Your customers see a seamless, co-branded payments experience inside the software they already use. Pulse handles the onboarding flow, collects business and banking information, and boards the merchant to the appropriate processor. From the merchant perspective it feels like a native feature of your platform, not a third-party add-on.

Question 10

How does Pulse handle merchant payouts and residual reporting?

Accepted Answer

Pulse automates settlement and payout calculations on a configurable cycle. Platform-level revenue share reporting is available in real time through the Pulse dashboard, giving you a transparent view of net volume, fees, and your earned share down to the individual merchant. No manual spreadsheets or reconciliation required.

Add payments to your software.
We run the rest.

Drop payments into your platform.

Our team sells payments to your customers.

We board your customers in minutes.

We take on the risk, not you.

Compliance handled, end to end.

Catch problems before they become losses.

You earn on every transaction.

See your whole payments book.

Define the rule once. Pulse runs it forever.

Turn your software into a payments business.

Add payments to your software. We run the rest.