Priority queue
Surface the most urgent applications first. Assign reviewers, set SLAs, and watch every application move from submission to decision.
The Moment
Decision in minutes, not days.
Risk-scored auto-decisioning, configurable approval rules, and a prioritized review queue — so underwriters spend their hours on the deals that actually need them.
Decision queue · today
47decisions
41auto
6review
Merchant
MCC
Volume
Risk score
Decision
Trail & Stream Co.
$22K
91
Approved
Capitol Diner
$31K
84
Approved
Acme Coffee Co.
$42K
87
Approved
Northgate Liquors
$58K
64
Review
Pinnacle Smoke Shop
$84K
38
Declined
4 minavg decision
87%auto-approved
Configurablerule sets
Why automate underwriting
Stop losing merchants to slow approvals.
Manual underwriting drags out the merchant acquisition window and introduces reviewer-to-reviewer drift. Pulse automates the lane between onboarding and boarding so agents and ISOs can scale without scaling review headcount.
What's inside
Built for the way underwriters actually decide.
Auto-approval rules
Define thresholds for risk score, MCC, volume, and document completion. Clean applications board automatically; the rest queue for review.
Risk-aware decisioning
Every application is enriched with signals from fraud detection — risk scores, velocity checks, device fingerprints — before a decision is made.
Document lifecycle
Auto-request, collect, verify, and archive every required document with full version history. Reminders go out automatically.
Audit-ready decisions
Approve, decline, pend, or escalate — every action is recorded with reviewer, timestamp, and supporting evidence.
Reviewer dashboard
Application data, risk signals, documents, and merchant history in one purpose-built screen. No tab-switching.
Auto-approval without compromising standards.
Auto-approval doesn't replace your underwriters — it routes around them when nothing's in question. Define risk score, MCC, volume, and document criteria. Only applications that hit every bar are auto-approved; everything else lands in the review queue.
Documents are no longer the bottleneck.
Define required docs per merchant type, request them inline, track completeness, send reminders, and verify before review. Every document is versioned and linked to the merchant record for audits.
How it works
Five steps from submitted to boarded.
- Step 1
Submitted
Merchant submits application via the onboarding flow. Data is validated and enriched automatically.
- Step 2
Risk scored
Signal correlation runs — velocity, KYC, device, chargebacks — generating a composite risk score.
- Step 3
Documents collected
Required docs are requested. Pulse tracks completeness and chases what is outstanding.
- Step 4
Reviewed
Apps that need human eyes queue by priority. Underwriters see the full risk profile in one screen.
- Step 5
Decided
Approved merchants flow to boarding. Declines are documented with reason codes for compliance.
Outcomes
Faster operations, fewer errors, better margins.
Faster approvals
Auto-approval eliminates bottlenecks for clean applications — time-to-board drops from days to hours.
Consistent standards
Rules-based decisioning ensures every application is evaluated the same way. Less reviewer-by-reviewer drift.
Complete visibility
Real-time status updates and SLA monitoring across the whole pipeline.
Regulator-ready
Every signature, document, and decision is logged. Compliance exports are a click.
Who it's for
Built for review queues that need to move.
- Agents and ISOs with high application volume hitting manual-review bottlenecks
- Underwriting teams seeking consistent, rules-based decisioning
- Organizations required to maintain audit trails for regulatory compliance
- Risk managers automating document collection and verification
- Growing teams who need underwriting to scale without adding headcount
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.
Invite-only cohort · Hand-picked for the closed release
PCI DSS compliantSOC 2 Type II99.9% uptimeMulti-processor