Direct CAD & US acquiring without the markup

Pulse Pay puts you on direct Visa and Mastercard rails with sub-100ms authorizations and zero markup surcharges. Built for high-volume platforms that are done paying flat-rate tolls.

Start CAD Merchant ApplicationStart US Merchant ApplicationRequest IC++ Audit
Dashboard panel of PulsePay system showing transaction volume and speed graph with real-time feed, indicators for direct acquiring rails connection and onboarding engine status, sub-merchant KYC and AML compliance status with approved verifications, real-time fraud shield and CNP detection with risk score alert at 0.04%, and incoming processing logs for Visa, Mastercard, and Interac network rails.

Built on rails the big networks trust

PulsePay operates on direct Canadian and United States card network rails and enterprise security standards.

Visa Direct
Mastercard Send
Core

Built for high-volume platforms

Three rails that cut cost and complexity from every transaction.

Digital interface showing a transaction flow diagram with Visa and Mastercard logos, arrows indicating direct acquisition rails, processor markup toll at 0%, and interchange surcharge. The interface includes charts titled Real-Time Direct Surcharging and IC+ Core Pricing Active, a transaction tracking panel showing 0.0% markup surcharge, and information on added fees and interchange rate savings of 35%.
Direct

Direct interchange surcharging with zero markup

Pay true interchange on credit cards, plus $0.75 flat Interac Debit processing for Canadian rent payments with zero processor markup.

Learn
Digital interface showing multi-currency flow between Canadian dollar (CAD) and US dollar (USD) with features including sub-100ms clearing, forced conversion skip with 0% conversion fees, native settlement rails toggled on for zero conversion fees, real-time settlement speed graph, CAD settled amount of $1,482,930.50 with +12.4% change, and T+0 same-day settlement with instant bank routing for CAD and USD.
Settlement

Native CAD and USD multi-currency settlement

Settle in either currency without forced conversions or delays.

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Diagram illustrating an automated sub-merchant split payments system showing a primary transaction via Visa or Mastercard in USD, converting and settling CAD amounts, with split routing to two sub-merchants: Sub-Merchant A receiving 80% split with $324,150.00 CAD and Sub-Merchant B receiving 20% fee routing, enabled by an immediate settlement rail and automatic routing with a direct acquisition toll set to 0%.
Automated

Automated sub-merchant split payments

Route funds to your merchants instantly. No manual reconciliation.

Learn
Pricing

Pricing plan

See what flat-rate processors really cost you on high volume.

PulsePay
IC++
Interchange +
0.50% + $0.30
Interac Debit:
$0.75 Flat per transaction
Start CAD Merchant ApplicationStart US Merchant Application
Legacy
2.9% + $0.30
Flat rate plus 30 cents per transaction
Start CAD Merchant ApplicationStart US Merchant Application
Savings
35%
Average reduction in processing fees
Start CAD Merchant ApplicationStart US Merchant Application
Processing
Direct Visa and Mastercard rails
Yes
No
Yes
Sub-100ms authorizations
Zero markup surcharges
Interchange-plus transparency
Flat-rate tolls
Settlement
Native CAD and USD settlement
Yes
No
Yes
Automated split payments
Forced currency conversion
Manual reconciliation
Delayed payouts
Onboarding
Sub-merchant onboarding under 2 minutes
Yes
No
Yes
Automated KYC and AML verification
Manual underwriting queues
Real-time risk scoring
Legacy friction
Start CAD Merchant ApplicationStart US Merchant Application
Start CAD Merchant ApplicationStart US Merchant Application
Start CAD Merchant ApplicationStart US Merchant Application
Security

Fraud control that never sleeps

Built-in protection for every card-not-present transaction. You focus on growth. We handle the threats.

Audit
Learn
Digital dashboard showing transaction analysis with a credit card image labeled CNP Transaction, risk score assessment indicating low risk (8%), and various metrics for real-time fraud prevention such as direct acquisition rails, biometric verification, IP geolocation pass, behavioral match, real-time scanning analytics, and machine learning risk analysis active. The dashboard also displays approved and settled transactions with revenue held graphs, and flags suspicious activity and scoring activity alerts.

CNP prevention

Machine learning flags suspicious card-not-present activity before it hits your ledger. Chargebacks drop. Revenue holds.

Diagram illustrating the security tokenization flow for payment card data, showing a card with Visa and Mastercard logos and a card number being transformed through a security gateway/encrypter into a secure token, resulting in 90% PCI scope reduction with compliance status PCI-DSS compliant and secure vault locked indicated.

Tokenization

Card data is replaced with tokens. Your platform never touches raw PANs. PCI scope shrinks to almost nothing.

Dashboard interface titled 'Chargebad Chargeback Resolution' showing chargeback auto-responder process with a credit card image, evidence package including proof of delivery, customer signature, and transaction history, and metrics such as 85% win rate with automated wins and disputes handled, as well as graphs for dispute activity, cases evaluated, admin hours saved, and dispute alerts.

Chargeback responder

Real-time auto-responder fights disputes the moment they appear. Evidence is gathered and submitted without your team lifting a finger.

Digital illustration showing a frictionless authentication flow with a credit card overlaid on a smartphone displaying a fingerprint scan, connected to a 3DS2 verification gate featuring a glowing lock icon and real-time challenge check. Surrounding panels display real-time direct surcharging graph, biometric data, transaction attempts, verification attempts, and analytics indicating a 99.2% frictionless pass rate, authentication confirmed, zero-step MFA, user risk level as secure, and fast authentication active.

3DS2 authentication

3D Secure 2.0 adds a frictionless layer of verification. Legitimate customers sail through. Fraudsters hit a wall.

Developers

APIs built for teams that ship fast

Clean documentation. Predictable endpoints. No black boxes. Integrate PulsePay in an afternoon, not a quarter.

Authorize.Net Proxy Emulation

Instant compatibility with OwnerRez, Guesty, Hostaway, and ChargeAutomation using built-in Authorize.Net API emulation. Zero custom code required.

Docs
API

01 Webhooks

Real-time event delivery for payments, disputes, and settlements. Your systems stay in sync automatically.

Digital illustration of a glowing hub with a lock icon at the center, connected to four envelope icons with circuit-like blue lines, representing secure webhooks communication.

02 RESTful APIs

Simple, stateless endpoints that return clean JSON. Build exactly what you need without fighting the framework.

Glowing 3D cube with coding symbols and lines of code representing RESTful APIs, with digital arrows and data streams extending outward on a dark background, labeled '02 RESTful APIs'.

03 Pre-built SDKs

Drop-in libraries for Node, Python, Ruby, and PHP. Handle authentication, retries, and idempotency out of the box.

Digital illustration of a glowing 3D puzzle cube labeled 'Multi-Language Integration' with sides featuring logos for Node.js, Python, Ruby, and PHP, surrounded by code snippets, integration points labeled 'Init Integration' and 'Authentication Handle,' and a panel showing zero-friction install with platform success and compatibility at 100%, with the caption '03 Pre-built SDKs' below.

04 One-click embedding

Embed PulsePay directly into Webflow or Finix platforms with a single click. No custom middleware required.

Graphic titled '04 One-click embedding' showing integration between Webflow Designer and Finix Integrations API with a platform activation switch turned on and arrows indicating connection flow.
Digital interface showing APIs designed for fast team deployment with three panels: Webhooks listing events like payment.succeeded, dispute.created, settlement.completed; a central terminal displaying code snippet for RESTful APIs POST request with JSON body including amount, currency, and source; and Pre-built SDKs for Node.js, Python, Ruby, and PHP with initialization code examples, all on a dark futuristic background with blue data flow lines.
Digital illustration of a glowing hub with a lock icon at the center, connected to four envelope icons with circuit-like blue lines, representing secure webhooks communication.
Glowing 3D cube with coding symbols and lines of code representing RESTful APIs, with digital arrows and data streams extending outward on a dark background, labeled '02 RESTful APIs'.
Digital illustration of a glowing 3D puzzle cube labeled 'Multi-Language Integration' with sides featuring logos for Node.js, Python, Ruby, and PHP, surrounded by code snippets, integration points labeled 'Init Integration' and 'Authentication Handle,' and a panel showing zero-friction install with platform success and compatibility at 100%, with the caption '03 Pre-built SDKs' below.
Onboarding

Onboard merchants in minutes

Automated KYC and AML verification removes the bottleneck from sub-merchant onboarding.

Digital interface illustrating step 1 for inviting sub-merchants via a single link, showing a sub-merchant invitation panel with an active email invitation and role selection, a 'Generate Invite Link' button with a cursor pointer, a confirmation of invite link sent with a shareable URL, onboarding activity metrics including invites sent and approvals pending, and a phone screen displaying an invitation received message with a 'Click to Join' button.
Step 1

Invite your sub-merchant with a single link

Send a branded invitation. No paperwork. No back-and-forth emails.

Start
Diagram illustrating Step 2 of Automated KYC and AML verification, showing real-time scans of a government ID and live selfie/biometric data feeding into an automated verification system that performs ID document match, PEP & sanctions search, and regulatory database check, resulting in 100% verified analysis dashboards with verification approved and compliance passed statuses.
Step 2

Automated KYC and AML verification runs instantly

Identity documents are checked against Canadian regulatory databases in real time.

Start
Digital interface showing Step 3: Merchant is live in under two minutes, featuring a Fintech dashboard with verification flows, sub-merchant account status marked live & active, and live processing stream graphs displaying real-time volume and transaction volume in CAD and other metrics.
Step 3

Merchant is live in under two minutes

Processing begins immediately. Funds route to the correct accounts from day one.

Start

CAD Merchant Application Form

Customer testimonials

Enterprise platforms that switched and never looked back.

"We cut processing fees by 35 percent in the first quarter. The IC++ audit showed us exactly where the flat-rate model was bleeding us dry."
A woman with shoulder-length brown hair wearing a navy blazer and teal blouse sits at a wooden table in a modern office with large windows showing a city skyline at dusk, a notebook, pen, tablet, and black mug on the table, and a glass wall behind her displaying a RentFlow logo with digital graphs and network visuals.
Sarah Chen
CFO, RentFlow
"Sub-merchant onboarding used to take our team three days. Now it takes two minutes. Our platform finally scales without the operational drag."
Professional man with short curly hair and beard in a gray suit and teal tie standing in a modern office with glass walls, digital data charts projected behind him, and city skyscrapers visible through large windows.
Marcus Reid
CEO, PropelStack
"The direct rails changed everything. Authorizations are faster, disputes are handled automatically, and our margins finally reflect our volume."
Professional woman with shoulder-length wavy hair wearing a navy blazer and gray blouse, smiling in a modern office with glass walls displaying digital financial graphs and charts.
Elena Vasquez
COO, B2B Pay
Audit

Contact us

Request a custom fee analysis. See your real savings.

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Dark-themed digital contact form with the heading 'Contact us' in blue and green, inviting users to request a custom fee analysis and see real savings, including input fields for name, email, monthly processing volume with plus and minus buttons, and a message box; beside it, a glowing sphere contains graphical charts labeled 'IC++ vs Flat Rate' and 'Fee Breakdown' with a pie chart showing 0%. Surrounding icons represent banking, money, handshake, phone, and email services.