Shift from monthly portfolio-level to daily merchant-level profitability management
Optimize and reconcile Visa / Mastercard fees
Get control over the costs paid to card schemes and save up to 10%
Functionality
- Visa & Mastercard invoices automated analysis
- Cost saving opportunities identification & recommendations
- Monthly highlights on the costs structure
- Regular reconciliation of Visa & Mastercard fees
Outcomes
- Full transparency on the Visa & Mastercard fees costs
- Scheme fees costs optimization by up to 10%
- Regular reconciliation of Visa & Mastercard fees
Run merchant-level profitability control
Supercharge your business with daily merchant-level profitability analysis, performance alerting and what-if analysis
Functionality
- Per-transaction scheme fees prediction and interchange allocation
- Costs, revenues and profitability analysis via various domains: portfolio, merchant, terminal, merchant segment, MCC, type of acquiring, etc.
- Ability to enrich analysis with additional P&L items
- Predictive «What if» analysis
- Flexible reporting and enriched data export options
Outcomes
- Merchant-level scheme fees allocationMerchant-level daily profitability control and improvement
- Profitability leaks unleashed
- Optimized merchant pricing
There are a lot of parameters influencing your profitability.
Do you know your mix?
Geo
Transaction type
Card type
Merchant category
Ticket size
Provide true Interchange++ pricing
Offer IC++ pricing to your merchants with 100% transparency and accuracy
Functionality
- Daily card interchange allocation and Visa & Mastercard fees prediction
- Transactional data enrichment
- Flexible reporting and enriched data export options
Outcomes
- Provide near 100% accurate IC++ pricing
- Deliver enhanced transparency to your merchants
- Be of full control over your merchant-level profitability
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
Benefits of Improved transaction analytics
- Enhanced negotiation power driven by dataBy gaining full transparency of your business profitability you are better-positioned when onboarding new merchants and re-negotiation terms with existing ones.
- Increased loyalty from merchantsLess confusion on the merchants' side as you re on the same page with them when it comes to transactional costs.
- More clarity on your salesforce performanceBuild your motivation system based on the account manager-level performance of subportfolios of merchants, not just volumes which might be misleading.
Use cases
No deep knowledge of card transactions is required
Our experts will guide you through each stage of the analysis during a personalized masterclass included in the onboarding package.