v1.0 — OTP-secured payments now live

Payments infrastructure with a pulse.

Tokenized cards, OTP-verified checkout, merchant APIs, webhooks, and real-time analytics — all in one platform built for scale.

Start accepting payments See live checkout Try POS terminal Open demo store

Volume processed

$48.2M

+12.4% vs last 30d

Avg. checkout time

8.3s

−18% vs last 30d

Auth rate

98.6%

+0.4pp vs last 30d

Platform

Everything a modern payment stack needs

Tokenized cards

Vault-grade card storage. PAN/CVV never touch your servers.

OTP verification

Time-bound, rate-limited one-time codes for every authorization.

Reliable webhooks

Retries, signatures, and replay protection out of the box.

Real-time analytics

Volume, auth rate, refunds, and cohort breakdowns.

API keys & roles

Scoped keys with rotation, IP allow-lists, and audit logs.

10s settlement

Smart routing across providers for the fastest authorization.

How it works

Four steps from request to receipt

Merchant request

Initiate a charge with amount, currency, and customer reference.

OTP challenge

Customer receives a 6-digit code by email and enters it to authorize.

Tokenized charge

PulsePay routes the tokenized card to the optimal provider.

Webhook + receipt

Receive a signed webhook and a downloadable PDF receipt.

For merchants

Drop-in checkout. Production-grade APIs.

Spin up an API key, point your webhook, and start charging. Fully managed PCI-tokenization, dispute tracking, refunds, and payouts.

RESTful API + Node/Python SDKs
Granular API key permissions
Refunds, partial captures, reversals
Fraud rules & velocity checks

Open merchant dashboard Admin demo

POST /api/payments/create
Authorization: Bearer pk_live_***

{
  "amount": 4900,
  "currency": "USD",
  "customer": "cus_8fk3",
  "reference": "ORD-10293",
  "metadata": { "cart": "ord_8821" }
}

→ 201 Created
{
  "id": "tx_29kdj",
  "status": "pending_otp",
  "auth_url": "https://pay.pulsepay.io/c/tx_29kdj"
}

FAQ

Common questions

Do you store raw card numbers?+

Never. PAN and CVV never touch our database — we store provider-issued tokens only.

Which providers do you route to?+

Stripe, Paystack, Flutterwave, and Adyen — with smart routing per BIN/region.

How are webhooks secured?+

Every payload is HMAC-signed with a per-merchant secret and replay-protected by timestamp.

Can I run a test environment?+

Yes — every merchant gets pk_test_ keys with a sandbox card matrix.

Build payments your customers trust

Launch a tokenized, OTP-secured checkout in an afternoon.

Create free account