Grow your profits
Our platform is based on decades of industry expertise and is designed to accommodate all the specifics of card transaction economics and portfolio management for all types of cards. This allows you to focus on what matters most.
Analyze and save costs on Visa / Mastercard fees
Get control over the costs paid to card schemes and save up to 10%
Functionality
- Fast and efficient automated analysis of Visa & Mastercard invoices
- Costs allocation by scheme, geo, transaction type, product
- Cost saving opportunities identification & recommendations
- Monthly highlights on the costs structure changes
Outcomes
- Full control over Visa & Mastercard fees costs
- Minimize penalties and unused services
- Unleash cost savings of up to 10%
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
- Product-level allocation of card scheme fees
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
Card-level profitability analysis
Analyze issuing portfolio transactional profitability down to card-level
Functionality
- Per-transaction scheme fees prediction and interchange allocation
- Costs, revenues and profitability analysis via various domains: portfolio, card product, BIN (range), customer segment, MCC, etc.
- Ability to enrich analysis with additional P&L items
- Predictive what-if analysis
- Flexible reporting and enriched data export options
Outcomes
- Card-level profitability control and improvement
- Profitability leaks unleashed
- Optimized product pricing
Data-driven loyalty program profitability optimization
Ensure that you have the margins to pay cashback in the target merchant categories
Functionality
- Predict and analyze merchant category-level profitability to optimize your loyalty program
- Cardholder payments behavior analytics and its impact on loyalty costs
- What-if scenarios analytics
Outcomes
- MCC-level profitability management and improvement
- Data-driven loyalty program profitability under control
- Competitive yet profitable loyalty program
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
What else you might expect
- Enhance operational efficiencyMake your issuing business really a data-driven one and get results within seconds rather than days.
- Keep your settings within Visa & Mastercard optimalHave an automated feedback loop providing impact on business profitability. Secure expertise and decrease manual dependencies. Minimize risks of getting locked with a single person’s opinion.
Use cases
Professional services
If you are uncertain whether your team includes a specialist with the necessary expertise in card transactions to effectively collaborate with Torus, rest assured that our experts are here to assist you. As part of our onboarding process, we arrange personalized webinars that will guide you through every stage of the analysis process, ensuring a comprehensive understanding and effective implementation.