A sensing and ablation electrode includes bifurcated sensing limbs separated by an ablation web. The electrode is disposed on the distal end of a catheter. The sensing limbs each support an array of sensors that are individually wired for mapping and post ablation efficacy testing. The web includes a pair of pliable membranes that define a lumen and are adapted to collapse the cross-section of the electrode. One membrane defines a plurality of apertures for dispersing a conductive fluid medium as a virtual electrode. The sensors and the apertures all lie within substantially the same plane.