Pulse (interbank network)

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Pulse is an interbank electronic funds transfer (EFT) network in the United States. It serves more than 4,400 U.S. financial institutions and includes more than 380,000 ATMs, as well as POS terminals nationwide. Rivals of the network include First Data's STAR and Fidelity National Information Services's NYCE. It is owned by Discover Financial, issuer of the Discover Card, and is included in Discover's agreement with China UnionPay; cards can be used on each other's network leading to better acceptance outside large cities than the larger networks.


  • 1981, Pulse incorporates and begins operating its regional EFT switching facility.
  • 1995, Pulse launches Pulse Pay, a point-of-sale service where cardholders can use their ATM card at retailers.
  • 1997, Pulse announced acquisision of Gulfnet, the Louisiana-based regional EFT network.
  • 2000, Pulse announced it would acquire the Cincinnati-based MoneyStation network.
  • 2002, Pulse merged with Wisconsin-based Tyme Corporation.
  • 2005, Pulse is acquired by the Discover Financial Services
  • Currently, Pulse is a California Residential Mortgage Licensee (License Number MLS-18827).[1]

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