to increase their card payments business profitability by up to 50%
Torus helps banks and fintechs
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torus ANALYTICS platform enables issuers and acquirers to
analyse scheme fees
Understand costs allocation, track all the forecasted pricing updates and unleash cost saving opportunities
control unit-level profitability
Manage and optimise card- / merchant-level transactional profitability
optimize pricing
Re-pricing for issuers and acquirers, Interchange++ support, profit-based pricing for BIN sponsors

We help issuers and acquirers to earn extra millions of USD per annum by

Voice of customer
As any acquirer in the region and around we are focused on optimizing our efficiency and processes and Torus has the solution we were looking for
Ugne Buraciene, Group CEO of Payabl
Case studies
Without Torus
Issuer lacked clarity of network costs and overpaid them
With Torus
Accurate costs analysis in just a few clicks
Excessive costs outlined and optimized
Proactively monitoring or pricing updates
Without Torus
Acquirer managed profitability at portfolio level quarterly and had no control over merchant-level margins
With Torus
Merchant-level profitability revealed
Unprofitable merchants pricing optimized
Portfolio profitability increase
Join the top performers in the market