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 allocation
    Merchant-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 data
    By 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 merchants
    Less 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 performance
    Build your motivation system based on the account manager-level performance of subportfolios of merchants, not just volumes which might be misleading.

Use cases

Customer
Pan-European e-commerce acquirer
Objective
Increase revenue through transparency for merchants
Approach
  • Predict transaction fees based on daily settlement date
  • Fixed fees allocation prediction
  • Regular model updates based on Visa/MC announcements
Outcomes
Achieved a 13% revenue increase and improved competitive position by providing better transparency to merchants and correcting billing errors
Customer
International acquirer
Objective
Increase acquiring profitability
Approach
  • Analyze Visa & MC invoices
  • Calculate merchant-level profitability through scheme fees prediction
Outcomes
Repriced and offboarded loss-making merchants, leading to a 27% increase in portfolio profitability
Customer
Mid-sized EU e-commerce acquirer
Objective
Identify losses through invoices reconciliation
Approach
  • Compare Visa and MC fees with the value predicted by the Torus engine
  • Identify discrepancies & root causes
Outcomes
Revealed $0.5M/year losses due to misreporting volumes to schemes
Customer
Pan-European e-commerce acquirer
Objective
Increase revenue through transparency for merchants
Approach
  • Predict transaction fees based on daily settlement date
  • Fixed fees allocation prediction
  • Regular model updates based on Visa/MC announcements
Outcomes
Achieved a 13% revenue increase and improved competitive position by providing better transparency to merchants and correcting billing errors
Customer
International acquirer
Objective
Increase acquiring profitability
Approach
  • Analyze Visa & MC invoices
  • Calculate merchant-level profitability through scheme fees prediction
Outcomes
Repriced and offboarded loss-making merchants, leading to a 27% increase in portfolio profitability
Customer
Mid-sized EU e-commerce acquirer
Objective
Identify losses through invoices reconciliation
Approach
  • Compare Visa and MC fees with the value predicted by the Torus engine
  • Identify discrepancies & root causes
Outcomes
Revealed $0.5M/year losses due to misreporting volumes to schemes

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.

Are you ready to enhance your analytics and increase revenue?

See it in action

More solutions

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