PULSE Payments Network | PULSE Network

Nationwide debit acceptance

We deliver you value, choice and convenience while giving consumers the freedom to shop with confidence. This means debit transactions and verification methods on any device, anywhere—in-store and online. We invest in API access, disputes processing, contactless and other services to drive value for your business while advocating for your interests.

In-Store

More convenience for consumers. More choices for you.

Choice

Our payments capabilities give consumers fast, convenient and secure transactions helping issuers and merchants benefit from choice and competition for card-present transactions.

Digital capabilities

We deliver mobile and other in-store digital payments that make it easier for cardholders to pay.

Service quality

We offer the full range of point-of-sale debit transactions and personalized service tailored to your needs.

Solutions for:

PIN Debit with PULSE PAY^®

Card-present debit transactions that deliver competitive interchange and low fees.

PINless Debit with PULSE PAY^® Express

PINless card-present transactions with highly-competitive interchange and low network fees.

Features

Single and dual-message format capabilities
No cardholder verification for transactions of $50 or less
Cardholder verification supported for transactions over $50
Gratuity transaction support
Disputes support

Benefits

Competition – PULSE PAY Express introduces competition for debit routing
Choice – Offers an alternative debit routing choice to front-of-card networks
Economic Value – Competitive interchange and low fees

Mobile Payments

Support for mobile payments helps you stay competitive while enabling your cardholders with easy ways to pay.

Fraud Detection & Analytics

Support comes standard with us. To help you get the most from your portfolio we offer robust analytics tools and best-in-class fraud mitigation solutions.

PIN Debit with PULSE PAY^®

Our PIN debit program ensures that the cardholders of thousands of U.S. financial institutions and global networks can make purchases and get cash back at your stores.

Features

Transactions are funded from cardholders’ accounts at the time of purchase
Transactions are backed by the PULSE DebitProtect^® fraud mitigation service
Enables you to offer customers cash-back at check out

Benefits

PIN debit offers lower fraud-loss rates than other debit transactions
Convenience of cash back can increase customer loyalty
Real-time processing means you get paid faster for the sale

PINless Debit with PULSE PAY^® Express

Merchants that accept card-present transactions have a choice for routing no-verification and signature transactions at competitive rates.

Features

No cardholder verification for transactions of $50 or less
Signature, AVS, chip, contactless and other secure authentication options
Gratuity transaction support
Chargeback and dispute support aligned to industry
Single- and dual-message format capabilities
Magnetic stripe, chip, contactless and mobile support
Small-ticket pricing

Benefits

Economic Value – Competitive interchange and low fees for merchants
Competition – PULSE PAY Express introduces competition for debit routing where it previously did not exist
Speed – Faster checkout and payment process results in quicker lines

Mobile Payments

Gain control over payments acceptance costs with more routing options for mobile payments while giving your cardholders easy ways to pay.

Online

Debit, anywhere and everywhere

Choice

Our digital payments capabilities give consumers fast, convenient access to their money online and on the go. Issuers and merchants benefit from a low-cost choice for card-not-present transactions.

Service quality

We offer high authorization rates and full disputes support.

Solutions for:

PULSE E-Commerce

Many of the largest merchants in the U.S. are choosing to route omni-channel, digital and card-not-present payments of any ticket amount to debit networks like PULSE. As consumers continue to leverage digital payments, issuers will benefit from smarter routing of e-commerce transactions with PULSE.

Features

Single- and dual-message transactions
CVV2/CVC2 and Address Verification
Chargeback rules matching front-of-card brands
Full dispute support

Benefits

Split/Multi shipments
Pay and Deliver and Pay and Pick Up Transactions
Instant credit returns for online purchases returned in-store and vice versa
Tips and upcharge functionality
Merchant chargeback limitation helps reduce issuer risk

PULSE^® Side-by-Side (SXS) Token Service

A patented offering that allows tokenized card-on-file (COF) debit transactions to be routed over the PULSE Network and any other SXS Token Service enabled unaffiliated network. This service offers cryptogram validation, with no impact to the cardholder experience.

Features

Side-by-Side Token Service enables secure tokenized debit routing to PULSE Network
Available for participation to all enabled unaffiliated, back-of-card debit networks
Performs cryptogram validation on cardholder-initiated transactions
Uses industry-standard provisioning and lifecycle-management practices

Benefits

Delivers the potential for increased authorization rates, reduced risk of fraud and lower chargebacks associated with tokenized COF transactions
Provides compliance with Regulation II, card-not-present (CNP) clarification
Easy implementation and support
No impact to cardholder experience

PINless Bill Pay

Enables cardholders to enroll in bill payments and digital subscription services with minimized fraud risk and simplified chargebacks.

Features

Single and recurring bill payments
Payment origination flexibility
Account Validation transaction confirms customer payment data
Recurring payments option available, with Stop Pay feature

Benefits

Increased interchange revenue
Stregthens customer retention and loyalty
Card on file recurring bill payments
Offer consumers an additional payment option

Account Credit Transfers

People and businesses expect fast person-to-person (P2P) and business-to-consumer (B2C) payments. We can help you meet those expectations.

Features

Person-to-person

Account transfers
Transfers to brokerages
Pay friends and family
Split bills or gifts
Cash-to-account transfers

Business-to-consumer

Disburse claims
Rebates
Refunds
Payouts

Benefits

Near real-time approval and settlement enables confidence in providing fast access to funds
Rich transaction data makes it easier to meet your AML and compliance requirements
Reduces ACH and check handling costs
Delivers interchange revenue on incremental transactions that previously provided none

Mobile Payments

Support for Apple Pay, Google Pay, Samsung Pay, wearables and other digital wallets.

Fraud Prevention & Analytics

Count on us to be there for you. We help you get the most from your portfolio with robust analytics tools and best-in-class fraud mitigation solutions.

E-Commerce

Front-of-card functionality for omni-channel, digital and card-not-present payments of any ticket amount on a platform used by many of the largest merchants in the U.S.

Features

Single- and dual-message transactions for online or stored credential payments
CVV2/CVC2 and Address Verification
Chargeback rules matching front of card brands
Full dispute support
Estimated authorizations and incremental transactions

Benefits

Enable cardholders to pay the way they want with improved net-economics
Split/Multi shipments
Pay and Deliver and Pay and Pick Up Transactions
No change to customers’ checkout experience

PULSE^® Side-by-Side (SXS) Token Service

Features

Side-by-Side Token Service enables secure tokenized debit routing to PULSE Network
Available for participation to all unaffiliated, back-of-card debit networks
Performs cryptogram validation on cardholder-initiated transactions
Uses industry-standard provisioning and lifecycle-management practices

Benefits

Delivers the potential for increased authorization rates, reduced risk of fraud and lower chargebacks associated with tokenized COF transactions
Easy implementation and support
No impact to cardholder experience – offers a frictionless checkout to capture every potential sale

PINless Bill Pay

Augment the ongoing payment relationship with customers by enabling them to use a debit card to schedule automated recurring payment or pay bills, at a lower cost for these recurring transaction types.

Account Credit Transfers

Send funds directly to your customers' checking or prepaid accounts using their debit cards.

PULSE Account Credit Transfers improve your customers' funding experience with a faster, easier and more secure option than checks and ACH.

Mobile Payments

Support for Apple Pay, Google Pay, Samsung Pay, wearables and other digital wallets.

In the Market

Enabling choice for all transactions

Innovation

We invest in and evolve our network and technology, keeping pace with continuous shifts in payments and consumer behavior.

Advocacy

We fight for choice and competition through participation in industry groups, including EMVCo, Debit Network Alliance, FIDO Alliance and US Payments Forum.

Debit your customers can depend on

Nationwide debit acceptance

More convenience for consumers. More choices for you.

Choice

Digital capabilities

Service quality

Solutions for:

PIN Debit with PULSE PAY^®

PINless Debit with PULSE PAY^® Express

Mobile Payments

Fraud Detection & Analytics

PIN Debit with PULSE PAY^®

PINless Debit with PULSE PAY^® Express

Mobile Payments

Debit, anywhere and everywhere

Choice

Service quality

Solutions for:

PULSE E-Commerce

PULSE^® Side-by-Side (SXS) Token Service

PINless Bill Pay

Account Credit Transfers

Mobile Payments

Fraud Prevention & Analytics

E-Commerce

PULSE^® Side-by-Side (SXS) Token Service

PINless Bill Pay

Account Credit Transfers

Mobile Payments

Enabling choice for all transactions

Innovation

Advocacy

Payments & You: What’s new in payments

Start getting more from debit

PULSE NETWORK

WHAT WE OFFER

PARTNER WITH US

LET'S CONNECT

Debit your customers can depend on

Nationwide debit acceptance

More convenience for consumers. More choices for you.

Choice

Digital capabilities

Service quality

Solutions for:

Issuers/Processors

Merchants/Businesses

Debit, anywhere and everywhere

Choice

Service quality

Solutions for:

Issuers/Processors

Merchants/Businesses

Enabling choice for all transactions

Innovation

Advocacy

Payments & You: What’s new in payments

Start getting more from debit

PULSE NETWORK

WHAT WE OFFER

PARTNER WITH US

LET'S CONNECT

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