Layered fraud signals
A deep stack of proprietary signals, independently scored and weighted, continuously tuned. The full list? Nice try — you wish we shared what we track.
Always on · fully managed
Fraud stopped before it reaches you.
Pulse runs real-time, multi-signal fraud detection across your entire merchant portfolio. Your platform gets visibility and outcomes — Pulse handles detection, triage, and response.
Risk feed · today
Public view · labels redacted10:34Classified alertAcme Coffee · ████ ████████Active
09:22Classified alert████████ · resolvedResolved
08:48Classified alert████ clearedResolved
06:14Classified alertAuto-resolvedResolved
YesterdayClassified alertPass · auto-clearedResolved
2,847 signals processed today
1.2s avg detection
24/7 coverage
Why managed fraud detection
Stop fraud before it reaches your portfolio.
Fraud in payments is evolving fast — synthetic identities, application stacking, coordinated merchant rings. Building your own detection stack is expensive and never finished. Pulse operates fraud detection as part of your PayFac stack — covering the full signal layer, triage, and response — paired with underwriting and compliance tracking for end-to-end risk management.
What's inside
Built for the fraud patterns payment platforms actually face.
Velocity + pattern detection
Coordinated fraud rings are caught before they cause damage. Pulse tracks frequency by IP, device, email, phone, and business identity across your entire merchant base.
Device fingerprinting
Browser and device fingerprints identify returning bad actors even when they rotate identity details — cross-referenced across every merchant in your portfolio.
Real-time risk scoring
Every merchant application gets a composite risk score that updates in real time as new signals arrive, feeding directly into the underwriting queue before a human ever clicks.
Managed alerts + response
Pulse's team handles triage. High-risk signals trigger holds, escalations, or case creation automatically — your platform gets a clean status feed, not a flood of raw alerts.
Portfolio-wide visibility
A unified view of every active alert and risk trend across your platform. Drill into a single merchant or zoom out for a portfolio-level summary — your team stays informed without being on call.
Signal coverage
A deep stack of independent checks. We're not telling you what they are.
Nice try — you really thought we'd publish the playbook? The signals (and the count) stay classified so they keep working.
Classification · Need-to-know
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+ more (we don't kiss and tell)
Active signals
Retired
Last rotation ago
How it works
Five steps from signal to safe.
- Step 1
Merchant applies
When a merchant submits an application through your platform, Pulse immediately begins screening it across the full signal stack — no integration work required from your team.
- Step 2
Signals analyzed
Each signal runs independently with its own model, scored against thresholds tuned to the fraud patterns that show up in real payment portfolios.
- Step 3
Risk score attached
Signals aggregate into a composite risk score and attach to the application in real time, visible to the underwriting queue before any human review begins.
- Step 4
Pulse acts
High-risk applications are held, escalated, or flagged by Pulse's team. Low-risk applications continue to auto-approval. Your platform reflects the outcome.
- Step 5
Ongoing monitoring
Fraud screening continues after boarding. Portfolio dashboards surface alert volume and risk trends so you always know the health of your merchant base.
Proactive, not reactive.
Most fraud tools report damage after the fact. Pulse screens every merchant application before it reaches your underwriting queue — high-risk apps are held or escalated automatically, before your platform ever accepts liability. Fewer chargebacks, fewer compliance issues, cleaner book.
Built specifically for payments fraud.
Generic fraud tools don't understand application stacking, business identity theft, or synthetic merchants. Pulse does — every signal type and escalation flow is built around the patterns that show up in real payment portfolios, not e-commerce returns or account takeovers.
Outcomes
Cleaner portfolio. Faster onboarding. No exposure.
Platform-level loss protection
Fraudulent merchants are caught before approval — protecting your platform from chargebacks, fines, and processor liability.
Faster merchant onboarding
Auto-scoring clears clean applications without manual review. Borderline cases get human eyes; everything else moves fast.
No alert fatigue
Pulse's team triages signals and escalates only what matters. Your product team sees outcomes, not a raw event stream.
Audit-ready compliance
Every fraud check, signal, and decision is logged and timestamped for regulators, processors, and dispute resolution.
Who it's for
Built for platforms that can't afford fraud exposure.
- Vertical SaaS platforms and ISVs embedding payments who need fraud protection without building a risk ops team
- Software platforms onboarding merchants at scale who need automated screening to keep up with volume
- Product and engineering teams that want fraud coverage included in their PayFac stack — not a separate vendor to integrate
- Platforms in high-risk verticals (hospitality, food service, retail) where merchant fraud exposure is elevated
- Any platform that needs a clean, compliant merchant portfolio without dedicating internal headcount to fraud review
Related
Where this connects.
Now onboarding software partners
Turn your software into a payments business.
We sell it, board it, underwrite it, and run it. You add a revenue line to your platform without adding headcount.
Built for vertical SaaS platforms ready to monetize payments.
PCI DSS compliantSOC 2 Type II99.9% uptimeMulti-processor