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 efficiency
    Make your issuing business really a data-driven one and get results within seconds rather than days.
  • Keep your settings within Visa & Mastercard optimal
    Have 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

Customer
Mid-sized EU issuer
Objective
Identify opportunities to minimize card networks fees and gain operational improvements of costs analysis
Approach
  • SaaS analytics based on the invoices and QMR / QOC
  • Key metrics analysis by network, product, country
  • Comparison vs current manual cost optimization process
Outcomes
$0.60 per card estimated card networks charges optimization potential per annum.
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
Multi-country EU issuer
Objective
Reveal excessive scheme fees
Approach
  • Regular data upload & enrichment
  • Proprietary categorization & optimization models
  • User-friendly dashboards with insights
Outcomes
Identified $1.2M cost saving potential, which was 3x higher than that from existing manual processes.
Customer
Mid-sized EU issuer
Objective
Identify opportunities to minimize card networks fees and gain operational improvements of costs analysis
Approach
  • SaaS analytics based on the invoices and QMR / QOC
  • Key metrics analysis by network, product, country
  • Comparison vs current manual cost optimization process
Outcomes
$0.60 per card estimated card networks charges optimization potential per annum.
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
Multi-country EU issuer
Objective
Reveal excessive scheme fees
Approach
  • Regular data upload & enrichment
  • Proprietary categorization & optimization models
  • User-friendly dashboards with insights
Outcomes
Identified $1.2M cost saving potential, which was 3x higher than that from existing manual processes.

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.

Contact us and stay ahead of the competition with the power of data

Get in touch for a free demo

More solutions

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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OPTIMIZE PROFITABILITY FOR BaaS PROVIDERS
Torus enables BaaS providers to differentiate themselves with profit-based pricing and value-added data services.