PULSE is the third-largest debit/ATM network in the U.S that is a subsidiary of Discover Financial Services, a direct banking and payment services company with one of the most recognized brands in U.S. financial services.

PULSE operates an electronic funds transfer network, providing financial institutions issuing debit cards on the PULSE network with access to point-of-sale (POS) terminals at retail locations throughout the U.S. as well as ATMs domestically and internationally for debit card transactions.

Who needs PULSE compliance?

Card vendors, issuers, and acquirers that wish to access PULSE debit/ATM networks in the U.S. or PULSE global ATM networks outside of U.S, need to comply with PULSE rules and regulations. 

What can UL do for me?

UL performs compliance & interoperability services covering the latest PULSE specifications. We perform ‘Level 3’ services which refer to brand acceptance testing, the final step in the certification process for acquirers, and we are accredited by Discover/PULSE to deliver formal PULSE certification services. Additionally, our test tools are equipped with the latest test specifications so that you can test your products against the most current requirements mandated by PULSE.