Pre-launchWaitlist open

One platform to replace your processor, your payouts, and your banking.

Pulse is one API and one account for the entire money flow. Accept cards or crypto, settle into your own multi-currency accounts, spend on issued cards, and send cross-border in seconds.

Join the waitlist See how it works
Onboard once for acceptance, banking & payouts High-risk and low-risk acquiring 30+ currencies
We accept the payment, end to end Illustrative preview
Acme Studio Ltd Secure checkout
$248.00
Pay with
Card ···· 4829 Wallet Bank transfer USDC
Pay $248.00

Your checkout, our acceptance. Pulse takes the payment itself and settles it, rather than handing you off to somebody else's processor.

We accept
Cards, wallets, bank, stablecoin
We route
Risk-ranked cascade
We settle
Into your Pulse account
We cover
30+ currencies
Acme Studio Ltd
Total balance
$0
Settled
GBPUnited Kingdom
GB29 PULS 0000 1234£248,900
USDUnited States
US64 PULS 7788 9900$512,340
EUREurozone
DE21 PULS 4455 6677€96,120
Pulse
••••  ••••  ••••  4829
Card holder
Acme Studio Ltd
Valid thru
12/28

The flow, end to end

Customer pays Card, wallet or stablecoin
Pulse settles it Into your own account
Spend or send Card, payout or withdrawal
Built for the whole money flow Card acceptance Virtual accounts Cross-border Risk & fraud
The problem

A stack that never
talks to itself

Payments, banking, payouts, and card spend each live on a separate platform, draining hours of manual work, leaving numbers that never reconcile, and stacking fees with every integration.

Payments
Your processor
CSV export
Banking
Another bank
Won't reconcile
Payouts
A third tool
Re-key by hand
Card spend
Yet another
Fee per sync
Delay
4+
AcceptancePayoutsBankingCards
Four separate KYCsrun end to end
Acceptance, payouts, banking and cards each run their own KYC and integration. Weeks of setup, repeated end to end.
Cost
15–40%
One stack
Four vendors
Same volumemore fees each hop
Fees, FX and network charges stack up once four providers each take their cut.
Rails
2–5 days
SWIFT
Pulse
Legacy correspondent banking takes days to settle. Modern rails do it in seconds, at a fraction of the cost.
Our solution

One API and one account
for the entire money flow

Onboard once with Pulse. One platform, modern rails, covered from day one.

Onboard once

One integration and one KYC covers acceptance, payouts and banking. No repeated onboarding across vendors, so you are live from day one.

One stack

Consolidating every flow onto one platform strips out the overhead, leakage and duplicated fees of running four separate providers.

Modern rails

Domestic rails and stablecoin settlement replace the correspondent-banking crawl. Money in seconds, not days.

At launch

Four products,
one balance

Everything in the first release works against the same account, the same onboarding, and the same API.

CardWalletBankUSDC
$248.00Approved
Process

Payment processing

Global card acceptance with smart routing for higher auth rates and lower cost. Cards, bank transfers, wallets and stablecoins on one checkout.

Smart routingCrypto or fiatRecurring
GBP GB29 PULS 0000 1234 £248,900
USD US64 PULS 7788 9900 $512,340
EUR DE21 PULS 4455 6677 €96,120
Hold

Virtual accounts

Multi-currency accounts with local IBANs across the UK, US and EU. Operate in markets you aren't based in, with no local entity needed.

30+ currenciesLocal IBANsNo local entity
Pulse
•••• •••• •••• 4829
12/28
Spend

Virtual cards

Cards issued instantly against your balance, across multiple countries. Spend settled revenue before you ever withdraw it.

Per-card limitsFreezesMerchant locks
USD USDC EUR
Lands in seconds
Send

Pulse2Pulse

Pulse2Pulse moves money to contractors, suppliers and costs abroad in seconds, without the FX spread or the wire delay.

Seconds to settle<1% all-inFiat in, fiat out
Payment orchestration

We retry until the
payment goes through

If a payment declines, Pulse retries down a risk-ranked cascade of acquirers until it clears, recovering revenue that single-acquirer setups simply lose.

CHECKOUT $248.00 Visa ···· 4829 Pulse routing Ranked by risk profile 1 Primary acquirer Matched to risk WAITING 2 Second acquirer Next-best fit WAITING 3 Backup PSP Cascade continues WAITING 4 Alternative rail Wallet or local NOT REACHED CHECKOUT $248.00 Visa ···· 4829 Pulse routing Ranked by risk profile 1 Primary acquirer Matched to risk WAITING 2 Second acquirer Next-best fit WAITING 3 Backup PSP Cascade continues WAITING 4 Alternative rail Wallet or local NOT REACHED
Routed by risk profile, never by hand Every retry sits inside one integration Fraud screening on every route
Acceptance

Two acquirers.
Every vertical.

One integration, every acquirer. Transactions are routed and retried by risk profile, with top-tier fraud protection on both sides, applied automatically.

Every transaction
High-risk acquiring

Underwriting for the verticals others refuse

Low riskHigh risk
Routes here when your vertical or history needs bespoke underwriting.
Crypto & trading Casinos Nutra Peptides Recurring / MRR

A dedicated high-risk acquirer built for the businesses mainstream processors turn away, plus a cascade that keeps their approvals up.

Low-risk acquiring

Best rates and auth on mainstream volume

Low riskHigh risk
Routes here by default, so mainstream volume never pays high-risk pricing.
E-commerce SaaS Hotels Restaurants Info products

A separate low-risk acquirer with the sharpest rates on the schemes. Routed automatically, so you never pick a lane.

Modern cross-border payments

Pulse2Pulse

Cross-border payments that land in seconds instead of days, at a fraction of the cost. Stablecoins are the transport, not the product: both sides see only their own currency, and never the layer underneath.

USD Step 1 Fiat in Sender pays in USD, straight from their Pulse balance. No crypto knowledge needed.
USDC Step 2 Convert Converted at spot into a fully-reserved digital dollar.
Step 3 Send on-chain Moves in seconds. No correspondent banks, no cut-off times, near-zero network cost.
EUR Step 4 Fiat out Off-ramped into local currency, in their Pulse account or their bank.

Days of correspondent banking, gone

A SWIFT wire crawls through intermediary banks, each taking a cut and a day. Pulse2Pulse skips the whole chain.

Traditional wire (SWIFT)2–5 days · 3–6% all-in
Pulse2PulseSeconds · <1% all-in
Seconds
To settle, any corridor
<1%
All-in cost
24/7
No cut-off times
Pulse to Pulse, instantly

When both businesses sit on Pulse, the payment never leaves our rails: it clears instantly, with nobody in the middle taking a cut. When the other side is not on Pulse yet, we off-ramp straight into their local bank account.

Borderless by design

Onboard from anywhere.
Operate everywhere.

A business registered in one country can accept payments and hold accounts in markets it has no legal presence in. No local entity, no separate local bank, no multi-month setup.

Accept where you don't operateTake local card payments in markets you have no entity in. Customers pay as though you were domestic.
Hold accounts abroadMulti-country virtual accounts and IBANs opened for you. No local incorporation or bank relationship required.
Launch new markets instantlySkip the entity, banking and licensing that normally gate a new market. Onboard once and go live in days, not months.
Opening a new marketThe usual way
Incorporate a local entity 4-8 weeks
Open a local bank account 2-6 weeks
Sign a local acquiring contract 4+ weeks
Pass a fresh compliance review Ongoing
With Pulse: onboard onceLocal accounts and acceptance opened for you Days
What's next

The product lines
we build next

★ First of its kind

Rewards & cashback

The first business rewards programme that pays you back on processing volume and card spend alike. An Amex-grade perks engine, earned on the money you already move.

Cashback on
Processing volume
And on
Card spend
Travel & lifestyle
Lounges, hotel & airline credits
Loyalty
Lower rates, priority payouts
Working capital & creditNet-60 credit lines and spend-before-settlement on cards.
Payroll & affiliatesGlobal payroll with no FX, and auto-tracked affiliate payouts.
Expense & intelligenceAI dashboards, expense management and recurring invoicing.
Private by designHold funds on public chains without letting competitors watch your revenue.
Competition

One platform in place
of three vendors

Capability Pulse Processor Neobank In-house build
Payment processing✓✓✕✕
High-risk acquiring✓✕✕✕
Cross-border payouts✓✕✓✕
Virtual accounts & cards✓✕✓✕
One API, one onboarding✓✕✕✕
Early access

Get on the list before we open the doors.

We're onboarding a limited group of design partners ahead of launch. Tell us about your business and we'll come back with routing, pricing and a timeline.

✓Priority onboardingFirst in line when we open your market.
✓Launch pricing, locked inFounding-merchant rates on processing and FX.
✓Direct line to the foundersShape the roadmap while it's still being written.
✓Underwriting pre-checkKnow where your vertical routes before you integrate.
4 in 1
Processor, bank, cards & payouts
0+
Currencies supported
One
Onboarding for all of it

Join the waitlist

Takes 30 seconds
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Please enter your company
Please enter a valid work email
Pick the closest match
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No spam, ever. We'll only email you about your access to Pulse. By joining you agree to our terms and privacy notice.

✓

You're on the list.

We've got your details. When we open your market, you'll be in the first group we onboard, and we'll be in touch before then with routing and pricing for your vertical.

Your position: #
FAQ

Questions, answered

When does Pulse go live?

We're onboarding waitlist businesses in cohorts, market by market. Join the list and we'll tell you exactly where you sit in the queue for yours.

Do you really take high-risk merchants?

Yes. We run two acquiring relationships: a dedicated high-risk acquirer with underwriting built for verticals mainstream processors refuse, and a separate low-risk acquirer so mainstream volume never pays high-risk pricing. Routing between them is automatic.

Do I need a local entity to accept payments in a new market?

No. Multi-country virtual accounts and local IBANs are opened for you, so you can collect and settle like a domestic business without incorporating or opening a local bank account.

Do I have to touch crypto?

Only if you want to. Stablecoins are the transport, not the product. You can pay in and get paid out in ordinary currency, and never see the layer underneath. If you'd rather accept or settle in stablecoins, that's a switch you control.

How is Pulse different from using a processor plus a neobank?

Those are two onboardings, two balances, two APIs, and a reconciliation problem every month. Pulse is one of each: acceptance, accounts, cards and cross-border settled against the same balance.

What does it cost?

Pricing depends on your vertical, volume and mix. Join the waitlist and we'll come back with indicative rates for your business specifically. Waitlist members lock in founding-merchant pricing.

Join the waitlist