Differentiate from competition with the power of data
Banking-as-a-Service is being commoditized quite fast these days, but competing by price only is the way to nowhere. Data-driven analytics by Torus enables you to provide a highly personal;ized pricing approach and thus differentiate from competitors without squeezing your profits.
Predict and reconcile Visa / Mastercard fees
Get per-transaction Visa / Mastercard fees calculated daily with near 100% accuracy
Functionality
- Dynamic per-transaction card networks fees prediction
- Automated regular Visa & Mastercard invoices reconciliation
- Transactional data enrichment
Outcomes
- Visa / Mastercard billing errors proactively identified
- Faster refunds from the card networks in case of mis-billing
- Faster-to-market data-driven decisions enabled
Dynamic profit-based pricing for BaaS
Allocate 100% of the costs to the customer while sharing a portion of the interchange revenue
Functionality
- Transaction-based Visa / Mastercard fees and interchange allocation
- Flexible performance-based pricing logic
- Predictive what-if analysis
- Flexible reporting and enriched data export options
Outcomes
- Customizable customer-level card scheme fees and interchange allocation
- Customer-level portfolio profitability monitoring
- Differentiate from similar BIN sponsors and BaaS providers
How it works

1. You share the standard set of card schemes data with Torus through seamless integration

2. Torus platform predicts transaction-level costs and calculates unit-level profitability within 30 minutes

3. You get access to calculation results via enriched dataset and Torus UI
Extra advantages from using Torus
- Increased customer loyaltyProvide full transparency of costs & revenues allocation along with profit-based pricing options for your customers.
- Additional revenue streams from utilizing dataEstablish value-added services for your customers based on the existing data streams.