Press release

PULSE® Leverages BHMI’s Concourse – Extended Settlement™ to Support Increased Transaction Volumes

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BHMI, a leading provider of enterprise software applications and creator of the Concourse Financial Software Suite®, announced that PULSE, one of the nation’s leading debit networks, is now using Concourse – Extended Settlement™ for its principle settlement of transactions. PULSE is using Concourse across the entirety of its network, including point of sale, e-commerce and ATM transactions.

As part of the global payments brand, Discover® Global Network, PULSE operates a debit/ATM network serving thousands of financial institutions nationwide and linking cardholders to more than 2.2 million ATMs around the world. PULSE’s settlement processing is now powered by Concourse – averaging more than 13 million transactions daily.

Concourse – Extended Settlement™ allows PULSE to settle across different channels and provides the flexibility to move from daily to intra-day processing as needed. This not only lays the groundwork for real-time delivery, but Concourse’s flexible rules-based engine also enables PULSE to make quick adjustments for fee and settlement processing without changing code, resulting in significant savings in time and resources.

“As transaction volumes continue to grow across the board, PULSE is committed to providing our clients and partners with the fast, reliable processing services they expect,” said Randall D. Hardy, Executive Vice President of Business Technology for PULSE. “BHMI’s Concourse solution provides flexible settlement support that will allow us to meet the needs of our clients and the demands of the industry.”

In addition to principle settlement, PULSE has been relying on BHMI’s Concourse – Fees & Commissions™ module for more than a decade to support its fee structures and activities. PULSE’s ongoing, successful experience with this solution prompted PULSE to extend its use of Concourse for principle settlement for its network.

“The payments industry continues to see a steady increase in both transaction amounts and volumes, and today’s networks need solutions that can not only keep up with this growth, but also be quickly and easily configured to adapt to an evolving market as needs shift,” stated Lynne Baldwin, President of BHMI. “We are excited for the opportunity to extend our relationship with PULSE and look forward to the continued support for its growing network.”


PULSE, a Discover Financial Services (NYSE: DFS) company, is one of the nation’s leading debit/ATM networks. Financial institutions, merchants, processors and ATM deployers across the United States and around the world depend on PULSE’s comprehensive suite of products and services and its commitment to providing exceptional client service, flexibility, security and superior economics. PULSE also serves as a resource for debit education, research and knowledge drawn from more than three decades of industry experience. For more information, visit For insights into the latest payments industry trends visit Payments & You.

About BHMI

BHMI is a leading provider of product-based software solutions focused on the back‑office processing of electronic payment transactions. The company is best known as the creator of the Concourse Financial Software Suite® – a unique integrated collection of back‑office products allowing companies to quickly and easily adapt to the rapidly changing world of payments. Concourse is a cohesive and integrated package, including settlement, reconciliation, fees processing, and disputes workflow management, that reduces the cost and complexity of back‑office processing. Concourse’s continuous processing, near real‑time architecture and powerful rules engine is ideally suited for new payment initiatives like P2P and enables companies to perform back‑office processing for any type of payment transaction. To learn how your company can benefit from the power and flexibility of Concourse, please visit