Torus Analytics Platform
Taking payments profitability management to a brand new level
Card networks invoices analysis
Get the desired transparency of Visa / Mastercard invoices in just a few clicks
Functionality
- Visa / Mastercard invoices analysis and visualization
- Costs allocation by various domains (line of business / product / region / etc.)
- Control of new billing items and fees
- Adjustments and refunds analysis
- Cost saving opportunities
Outcomes
- Costs allocation and actionable insights in just a few clicks
- 100% control over all pricing updates
- Card networks fees costs optimization by up to 10%
Card networks fees prediction
Get per-transaction Visa / Mastercard fees calculated daily with near 100% accuracy
Functionality
- Per-transaction card networks fees prediction on a daily basis
- Transactional data enrichment with calcultated per-transaction card networks fees
Outcomes
- Near 100% accuracy
- Faster and real data-driven decisions enabled
- Higher quality of processing and payment service
Card networks invoices reconciliation
Get control over card networks fees billing
Functionality
- Transaction-based fees prediction
- Visa / Mastercard invoices automated reconciliation
Outcomes
- Card networks invoices correctness monitoring
- Faster refunds from the card networks in case of mis-billing
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
- Profit-based rewards program
- Optimized product pricing
Merchant-level profitability analysis
Analyze acquiring portfolio transactional profitability down to merchant-level
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 daily profitability control and improvement
- Profitability leaks unleashed
- Optimized merchant pricing
- Merchant portfolio profitability improvement
Dynamic pricing for BaaS
Differentiate from competition by profit-based pricing
Functionality
- Transaction-based card networks fees and interchange allocation
- Flexible performance-based pricing logic
- Predictive "What if" analysis
- Flexible reporting and enriched data export options
Outcomes
- Customizable customer-level card networks fees and interchange allocation
- Customer-level portfolio profitability monitoring
- Differentiate from similar BIN sponsors and BaaS providers
Interchange++ support
Offer true IC++ pricing for your merchants
Functionality
- Daily card interchange allocation and card networks fees prediction
- Transactional data enrichment
- Flexible reporting and enriched data export options
Outcomes
- Provide near 100% accurate IC++ pricing for your merchants
- Differentiate from similar acquirers with higher precision rate
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