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Products
Solution
Card issuersMerchant acquirersBIN sponsors and BaaS providers
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Torus analytics platform enables issuers and acquirers to

1
1
analyse scheme fees
analyze scheme fees
Understand costs allocation, track all the forecasted pricing updates and unleash cost saving opportunities
2
2
control unit-level profitability
control unit-level profitability
Manage and optimize card-/merchant-level transactional profitability
3
3
optimize pricing
optimize pricing
Re-pricing for issuers and acquirers, Interchange++ support, profit-based pricing for BIN sponsors
We help issuers and acquirers to earn extra millions of USD per annum by better controlling card networks fees and improving transactional profitability

Voice of customer

As any acquirer in the region and around we are focused on optimizing our efficiency and processes and Torus has the solution we were looking for

Ugne Buraciene, Group CEO of Payabl
14
settings
available for analyzis from A to Z in a single UI
30
minutes
from data upload to results
33
countries
covered by scheme fee prediction model
x3
increase
of cost-saving potential vs manual analysis.

Solutions

Card issuers
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ANALYTICS FOR BANKS AND CARD ISSUERS
Torus provides all the essential parameters for card transaction analytics: from portfolio segments to each individual transaction. Our platform helps you to quickly identify loss areas and increase net revenue.
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Merchant acquirers
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ENHANCED ANALYTICS FOR MERCHANT ACQUIRERS
Predict and reconcile scheme fees along with granular profitability analysis and true interchange++ pricing.
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BaaS providers
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OPTIMIZE PROFITABILITY FOR BaaS PROVIDERS
Torus enables BaaS providers to differentiate themselves with profit-based pricing and value-added data services.
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What we do: in 60 second

Use cases

Customer
Mid-sized EU e-commerce acquirer
Objective
Identify losses through invoices reconciliation
Approach
  • Compare Visa and MC fees with the value predicted by the Torus engine
  • Identify discrepancies & root causes
Outcomes
Revealed $0.5M/year losses due to misreporting volumes to schemes
Customer
Pan-European e-commerce acquirer
Objective
Increase revenue through transparency for merchants
Approach
  • Predict transaction fees based on daily settlement date
  • Fixed fees allocation prediction
  • Identify discrepancies & root causes
Outcomes
Revealed $0.5M/year losses due to misreporting volumes to schemes
Customer
Issuing neo-bank from Asia
Objective
Product-level profitability control
Approach
  • Analyze Visa invoices and predict per-transaction fees
  • Keep scheme fees costs optimal
  • Calculate transaction-level profitability through scheme
Outcomes
Identified loss-making patterns and took actions to drive profitability back to positive
Customer
Mid-sized EU e-commerce acquirer
Objective
Identify losses through invoices reconciliation
Approach
  • Compare Visa and MC fees with the value predicted by the Torus engine
  • Identify discrepancies & root causes
Outcomes
Revealed $0.5M/year losses due to misreporting volumes to schemes
Customer
Dan-European e-commerce acquirer
Objective
Increase revenue through transparency for merchants
Approach
  • Predict transaction fees based on daily settlement date
  • Fixed fees allocation prediction
  • Identify discrepancies & root causes
Outcomes
Revealed $0.5M/year losses due to misreporting volumes to schemes
Customer
Issuing neo-bank from Asia
Objective
Product-level profitability control
Approach
  • Analyze Visa invoices and predict per-transaction fees
  • Keep scheme fees costs optimal
  • Calculate transaction-level profitability through scheme
Outcomes
Identified loss-making patterns and took actions to drive profitability back to positive

Achievements

MPE-winner
In «startup innovation of the year» for improving merchant payments
1st fintech
in Lithuania among Sifted’s Fastest-Growing Startups
Partner’s
One of 15 companies selected for the Lighthouse program

Highlights

Interview to POSitivity Magazine About Winning the mpe Awards
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Join us for the rock tour from Stockholm to Tokyo until April! See you!
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Addressed the issue of fees transparency at the Paytech Show
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FAQ

Find answers to commonly asked questions about Torus
What is Torus?
Do employees need training to use the platform?
What data needs to be provided and in what format?
Where does the information I upload to the platform go?
How quickly is integration completed?
Is the data I transmit secure?

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