Payment processing

Your brand. Our rails.

Embed native payment acceptance inside your software. Pulse processes through Fiserv, NMI, TSYS, First Data, Stripe, and Maverick behind the scenes while your platform earns revenue share on every transaction.

Become a partnerSee the live demo

Live transaction ledger · 3 processors

Streaming
Authorize.NetMatched

$184,220.50

Today's deposit

NMIMatched

$92,410.00

Today's deposit

MaverickVariance

$67,788.20

−$53.98

Today's deposit

14:02:18Authorize.Net

Acme Coffee Co.

MID 482910

$124.50
settled
14:02:11NMI

Trail & Stream Co.

MID 671203

$1,842.00
captured
14:02:04Fiserv

Capitol Diner

MID 593411

$312.75
auth
14:01:57Authorize.Net

Harbor Marine Supply

MID 218074

$87.20
settled
14:01:50NMI

Pho Saigon Express

MID 410552

$46.80
captured
14:01:43Fiserv

Northwind Bakery

MID 722890

$218.40
chargeback
0 transactions today
0.00% portfolio dispute ratio
0.00% auth rate

Why embed with Pulse

Accept payments natively. Earn on every transaction.

Most software platforms send merchants off to a third-party processor portal — losing the experience and leaving money on the table. Pulse makes your product the payment layer, routing through Fiserv, NMI, TSYS, and more behind the scenes. Every transaction ties directly to revenue share tracking and merchant onboarding so your platform owns the full payments lifecycle.

What's inside

Everything your platform needs to process payments.

Embedded payment acceptance

Add a native checkout flow, virtual terminal, or in-app billing UI to your software in days. Pulse handles auth, capture, void, refund, and receipt generation — your users never leave your product.

Multi-processor rails

Pulse routes transactions through Fiserv, NMI, TSYS, First Data, Stripe, and Maverick behind the scenes. Switch or add processors without touching your integration.

Revenue share on every swipe

Your platform earns a split of interchange and processing margin on every transaction your merchants run. Pulse tracks volume, calculates splits, and pays out on schedule.

Chargeback workflow

Disputes open cases the moment they fire. Deadlines by reason code and card network, evidence uploads, and dispute-ratio dashboards keep responses on time and processor relationships protected.

Deposit reconciliation

Expected vs. actual deposits per processor, matched to settled transactions automatically. Discrepancies surface before finance has to ask.

Branded merchant statements

Your logo, your product name — merchant statements with transactions, fees, chargebacks, and net deposits, scheduled or on demand.

Where the margin goes

Your platform's cut, on every transaction.

Pulse splits the processing margin the moment a sale settles — 65% to Apex Merchant Services, the rest to rails and interchange — then pays your accrued share out on Cycle 10.

Margin on a $42 sale

Acme Coffee Co. · MID 482910

$1.22
65%Your platform$0.79

Apex split · revenue share

8%Pulse rails$0.10

Platform fee

27%Processor cost$0.33

Interchange + assessments

Apex Merchant Services keeps 65% of the margin — automatically, on every swipe.

Payout cycle

$0.00

accrued to your platform · Cycle 10

  1. Transactions settle

    Daily batch

  2. Splits calculated

    Per MID

  3. Cycle 10 close

    Oct 31

  4. Payout to platform

    Nov 1

Settles Nov 1 — no spreadsheets

Capabilities

The full payments toolkit, ready to embed.

Credit + debit card processing
ACH and bank transfer
Recurring + subscription billing
Multi-currency transactions
Real-time auth + capture
Void + refund management
Batch processing + settlement
PCI-compliant tokenization
Revenue share tracking
White-label merchant portal
Processor redundancy + failover
Embedded onboarding flow

How it works

From integration to revenue share in five steps.

  1. Step 1

    Connect your platform

    Integrate Pulse via API or SDK. Your existing product surfaces the payment UI — Pulse handles the processor connections behind the scenes.

  2. Step 2

    Onboard merchants instantly

    Merchants apply and board inside your software. Pulse runs KYB, underwrites the account, and provisions processing credentials in minutes.

  3. Step 3

    Accept payments

    Every auth, capture, void, and refund flows through Fiserv, NMI, TSYS, or your preferred processor. Real-time status, your brand.

  4. Step 4

    Track deposits and settle

    Settled transactions match to deposit records automatically. Per-processor expected-vs-actual surfaces every gap before finance has to ask.

  5. Step 5

    Earn revenue share

    Pulse calculates your platform split on every transaction and pays out on the agreed cycle. Full reporting, no spreadsheets.

one API
FiservRouting
NMIFailover
TSYSStandby

Multi-processor, zero complexity.

Pulse routes transactions through Fiserv, NMI, TSYS, First Data, Stripe, and Maverick — all behind a single API. Switch processors or add redundancy without rewriting your integration or retraining your team.

Case #48216 days left
Reason 4853 · Not as described
Evidence uploaded
Response due Nov 4

Disputes handled before they escalate.

Chargebacks open cases the moment they fire. Deadlines calculated by reason code and card network. Evidence uploads, status tracking, and dispute-ratio dashboards keep responses on time and your merchants' processing accounts protected.

Outcomes

A new revenue line. A better product experience.

New revenue line, zero infrastructure

Your platform earns interchange and processing margin without building a payment stack. Pulse provides the rails, compliance, and settlement — you keep the margin.

Your brand, end to end

Merchants see your product name on every screen, statement, and notification. Pulse stays invisible — a white-label engine under the hood.

Processor redundancy built in

Fiserv, NMI, TSYS, First Data, Stripe, and Maverick are all available. Route by merchant type, fall over automatically, or offer multiple options — without touching your code.

Disputes handled before they escalate

Chargeback workflows track deadlines and evidence so nothing slips. Dispute-ratio dashboards surface risk before it threatens merchant accounts.

Who it's for

Built for software platforms that want to own payments.

  • Vertical SaaS platforms that want to monetize payments without building a processor relationship
  • ISVs embedding checkout or billing into their product who need white-label processing behind the scenes
  • Software teams that want merchant onboarding, KYB, and underwriting handled automatically inside their flow
  • Finance and ops teams reconciling deposits across Fiserv, NMI, TSYS, and First Data in one place
  • Platforms with growing transaction volume that need processor redundancy and failover without code changes

Settled, matched, accounted for

Every deposit reconciled to the cent.

Settled transactions match to bank deposits per processor automatically. When Maverick lands short, the variance surfaces on its own — no spreadsheet hunt.

Deposit reconciliation · Cycle 10

Expected vs. settled
Fiserv

$184,220.50 of $184,220.50

Matched
NMI

$92,410.00 of $92,410.00

Matched
Maverick

$67,788.20 of $67,842.18

Variance-$53.98
One $53.98 variance surfaced on Maverick before finance had to ask.

Related

The full PayFac-as-a-Service stack.

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.

Become a payments partnerTalk to our team

Built for vertical SaaS platforms ready to monetize payments.

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