Continuous monitoring

The pulse of every merchant.

Real-time risk monitoring built for agents, ISOs, and processors — continuous transaction surveillance, AML and KYC automation, and an audit trail you can hand the regulator.

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Risk pulse · live

2 high-severity active
Acme Coffee · MID 48291087 bpm

Active monitors

2,184

Avg risk score

32

High-risk merchants

12

KYC freshness

98%

14:02

Acme Coffee Co.

Velocity breach

+12 riskHigh
13:54

Northwind Spa

OFAC re-screen

ClearedLow
13:41

Pinnacle Smoke

MCC change · 5993

+18 riskHigh
13:22

Ridgeline Outfitters

Chargeback ratio

+4 riskMid
12:58

Capitol Diner

KYC refresh

PassLow
4.6M signals processed today
0.7s avg detection
24/7 coverage

Why continuous monitoring

Risk is dynamic. Snapshots aren't enough.

Traditional risk processes rely on static data captured at onboarding — but business models, transaction behavior, and financial stability all shift after approval. Pulse gives agents, ISOs, and processors a living risk-intelligence layer across every merchant. Pair it with fraud detection and compliance and the team finally stops flying blind.

The exposure

Four risks the back office can't afford to miss.

Chargeback ratio spikes

Undetected chargeback surges, including friendly fraud, erode revenue, trigger Mastercard MATCH listings, and can terminate processing agreements.

Financial crime exposure

Merchants facilitating money laundering or fraud put your AML compliance program and regulatory standing at investigation risk.

Regulatory non-compliance

Failing AML, PCI DSS, or KYC obligations invites heavy fines and license loss. The window between gap and penalty keeps shrinking.

Undisclosed business changes

Merchants who pivot to high-risk verticals or prohibited MCCs after onboarding silently blow through your stated risk appetite.

What's inside

Everything risk, in one dashboard.

Continuous monitoring

Every transaction, every merchant, monitored in real time. Machine-learning models surface fraud, money laundering, and friendly-fraud patterns the moment they emerge.

Automated risk scoring

Every merchant gets a dynamic score built from hundreds of signals — MCC, volume, chargeback ratio, velocity, and identity. Auditable decisions at scale.

Fraud detection

Behavioral analytics and AI trained on payment-card data catch account takeover, first-party fraud, and identity-theft patterns before settlement.

AML + KYC automation

Automated Know Your Customer checks, sanctions screening, and ongoing business monitoring keep AML programs current without drowning the team in manual reviews.

Audit trail

Every decision, override, investigation note, and action logged immutably with full context. Examiner-ready exports in seconds.

Workflow + alerts

Auto-escalate high-risk cases, request documentation, suspend accounts, or route issues to the right teammate. Configurable rules; no slipped tickets.

Portfolio analytics

Concentration risk, revenue exposure by tier, chargeback trends by MCC, portfolio health — all in a single dashboard.

API-first integration

Native API hookups to existing processor infrastructure, Stripe, and other merchant platforms. Risk data flows where the team already works.

Data security + PCI DSS

Architecture aligned with PCI DSS — RBAC, MFA, encryption at rest + in transit, comprehensive access logging.

The lifecycle

From onboarding to ongoing surveillance.

  1. Step 1

    Onboard + score

    During merchant onboarding, automated due-diligence (KYC, LegitScript, business-model analysis, and initial assessment) sets the baseline before the first transaction.

  2. Step 2

    Monitor + detect

    Every live transaction is evaluated in real time. ML models compare behavior, chargeback patterns, and volume against your defined risk appetite.

  3. Step 3

    Alert + investigate

    Threshold breaches trigger workflows — escalations to underwriting, compliance investigations, or document requests. Every action is auditable.

  4. Step 4

    Analyze + optimize

    Portfolio-level analytics let leadership refine underwriting policy, MCC restrictions, and vendor risk across the whole book.

Real-time surveillance

Across every payment, every gateway.

Periodic audits don't catch financial crime in motion. Pulse ingests payment data live, runs it through configurable rules and ML models, and pushes actionable intelligence directly to the risk team. Whether it's an ISO sizing up a compliance program or a processor managing thousands of merchants, monitoring scales with the book — including data from AML-regulated jurisdictions.

  • Real-time fraud detection using behavioral analytics and AI trained on payment-card data
  • Automated chargeback monitoring, friendly-fraud ID, and Mastercard dispute management
  • Velocity + pattern analysis surfacing money laundering and financial crime indicators
  • Configurable risk-appetite thresholds matching underwriting policy and regulatory rules
  • SAR-ready investigation reporting that accelerates AML compliance
  • Audit trail on every transaction review, alert, and decision

Compliance coverage

AML, KYC, and PCI DSS — all under one roof.

Compliance isn't a checkbox — it's an ongoing obligation. Pulse's risk infrastructure satisfies AML, KYC, and PCI DSS demands simultaneously, with LegitScript screening and SAR-ready exports built in.

AMLKYC / CDDPCI DSSMastercard rulesLegitScriptOFACSAR

Who it's for

Risk solutions for every link in the payment chain.

Payment processors

Continuous transaction monitoring, automated underwriting workflows, and portfolio-wide risk analytics across every merchant account.

Agents + ISOs

Onboard fast without sacrificing reputation. Automated due diligence, KYC, and real-time fraud detection keep approvals quick and bad actors out.

Fintechs + SaaS platforms

API-first risk scoring, transaction monitoring, and AML checks embed directly into your product workflows — no bolt-ons.

Compliance + underwriting

Automate the manual labor of AML, KYC, and risk assessment so your specialists focus on judgment calls — every action is logged for audit.

Related

Where this connects.

Closed release · now taking applications

Stop chasing residuals in spreadsheets.

Boarding in minutes. Residuals that reconcile themselves. A platform that actually understands the way your team operates.

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Invite-only cohort · Hand-picked for the closed release

PCI DSS compliantSOC 2 Type II99.9% uptimeMulti-processor