SaaS Analytics Platform for Card Issuers, Merchant Acquirers and BaaS Providers

You shouldn’t depend on outdated data or legacy processes. We developed a plug-n-play unified analytics platform that helps you make data-driven decisions and drive profitability. With Torus products, built with decades of industry expertise and powered by top notch tech, you can stay ahead of the competition and proactively adapt to market changes.

Card schemes invoices analysis and optimization

Understand what you are paying the card scheme for. Optimize your level of costs. Keep it optimal in the long run.
Functionality
  • Automated Visa / Mastercard / etc. invoices analysis and visualization
  • Costs allocation by various domains (line of business / product / region / etc.)
  • Control over the new billing items and fees
  • Adjustments and refunds analysis
  • Cost saving opportunities unleashed
  • Industry benchmarks
Outcomes
  • Costs allocation and actionable insights in just a few clicks
  • 100% control over all pricing updates
  • Card networks fees costs optimization by up to 10%

Transaction profitability analysis

Still using portfolio averages to analyze unit-level profitability? Jump to the transactional level at daily frequency with 98% prediction accuracy.
Functionality
  • Daily transaction-level scheme fees prediction and Interchange allocation
  • Card Product / Merchant-level profitability analysis and monitoring
  • Predictive "what if" analysis
  • Dynamic pricing for BaaS
  • Interchange++ support
  • Card schemes invoices reconciliation
  • Additional P&L items to customize calculation
Outcomes
  • Card product- / Merchant-level profitability control and enhancement
  • Profitability leaks unleashed
  • Optimized product pricing

Merchant pricing calculator

Don’t have enough data to estimate transactional costs? No worries, Torus will predict it for you.
Functionality
  • Multi-country Visa & Mastercard Interchange & Scheme fees benchmarks prediction
  • POS / E-commerce merchants support
  • No transactional data needed
  • Web UI or API integration
Outcomes
  • Estimated scheme fees and interchange costs benchmarks
  • Merchant pricing (MSC or IC++) calculation

How it works

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

Deep dive into profitability metrics

Slice and dice your profitability analytics as detailed as you wish with more than 30 filters available on the platform. Crunch your data by time period, card scheme etc.
17
parameters
of data quality monitoring
30
minutes
from data upload to results
98%
accuracy
of fee predictions

Are you ready to leverage the power of data to increase your profits?

Reach out to us

Explore Torus platform

Card issuers
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ANALYTICS FOR BANKS AND CARD ISSUING
Torus provides all the essential parameters for card transaction analytics, from portfolio segments to each individual transaction. Our platform helps you quickly identify loss areas and increase revenue.
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.
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.