The flow

Every transaction, every gateway.

Virtual terminal, multi-gateway transaction management, chargeback workflows, deposit reconciliation, and branded statements — built for agents and ISOs.

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Live transaction ledger · 3 gateways

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

Bayside Auto Repair

MID 671203

$1,842.00
captured
14:01:55Maverick

Northwind Spa

MID 593411

$312.75
auth
14:01:42Authorize.Net

Ridgeline Outfitters

MID 218074

$87.20
settled
14:00:09NMI

Kestler Kitchens

MID 410552

$412.00
chargeback
13:59:33Maverick

Northgate Cleaners

MID 722890

$64.00
refunded
18,492 transactions today
0.21% portfolio dispute ratio
99.94% auth rate

Why unified payment ops

One ledger. One reconciliation. One source of truth.

Most agents and ISOs run multiple gateways and processors — which means multiple logins, mismatched reports, and gaps that only show up at month-end. Pulse normalizes data from every connected processor into one feed, tied directly to residual management and gateway integrations so the back office stops chasing spreadsheets.

What's inside

Built for end-to-end payment ops.

Virtual terminal

Process card-not-present transactions directly from Pulse — credit, debit, and ACH with real-time auth, capture, void, refund, and receipt generation.

Transaction management

Search, filter, and export every transaction across the portfolio. Slice by gateway, merchant, date, status, or amount — one normalized view.

Chargeback workflow

Disputes get a case the moment they fire. Deadlines, reason codes, evidence uploads, and dispute-ratio dashboards keep response on time.

Deposit reconciliation

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

Statement generation

Branded merchant statements on schedule or on demand — transactions, fees, chargebacks, net deposits, all in one document.

Multi-gateway

Authorize.Net, NMI, and additional gateways feed one dashboard. Add a processor without adding a portal.

Capabilities

The whole payments toolkit.

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

How it works

Five steps, gateway to statement.

  1. Step 1

    Connect gateways

    Link Authorize.Net, NMI, and additional processors with API credentials. No custom development required.

  2. Step 2

    Process transactions

    Use the virtual terminal or let your gateways feed Pulse. Every auth, capture, void, and refund is recorded in real time.

  3. Step 3

    Track deposits

    Settled transactions match to deposit records automatically. Per-gateway expected-vs-actual surfaces every gap.

  4. Step 4

    Manage disputes

    Chargebacks open cases with deadlines, reason codes, and evidence slots. Dispute ratios update across the portfolio.

  5. Step 5

    Generate statements

    Branded merchant statements with transactions, fees, chargebacks, and net deposits — scheduled or on demand.

One dashboard, every gateway.

Most ISOs run more than one processor — different formats, different portals, different reports. Pulse pulls transactions, deposits, and chargebacks from every connected gateway into one normalized feed. Add a processor without retraining the team.

Never miss a chargeback deadline.

Disputes open cases the moment they fire. Deadlines calculated by reason code and card network. Evidence uploads, status tracking, and dispute-ratio dashboards keep response on time and processor relationships protected.

Outcomes

Less reconciliation. Better margins. Fewer surprises.

Unified view

Every gateway and processor in one dashboard — no more juggling logins or reconciling formats.

Faster dispute resolution

Chargeback workflows track deadlines and evidence so nothing slips. Win-rate dashboards keep the bar visible.

Accurate reconciliation

Deposit matching and statement generation eliminate manual spreadsheets and reconciliation errors.

Revenue protection

Dispute-ratio monitoring warns the moment a merchant approaches thresholds that put processing at risk.

Who it's for

Built for the team that owns the money.

  • Agents and ISOs running multiple gateways who need a unified transaction view
  • Finance teams reconciling deposits across Authorize.Net, NMI, and processor settlement files
  • Operations staff managing chargeback responses and watching dispute deadlines
  • Merchants who expect branded statements with transparent fee breakdowns
  • Growing portfolios that want to add processors without adding portals

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