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
- 100% accurate monthly scheme fee and interchange allocation by merchant ID
- Complete reconciliation with monthly invoices with zero unallocated amounts
Outcomes
- Full transparency on the Visa & Mastercard fees costs
- Scheme fees costs optimization by up to 10%
- Visa & Mastercard billing errors proactive identification
- 100% confidence in fee allocation vs. monthly invoices
- No scheme fees left unallocated at month-end
Reconcile Transaction Flows
Ensure all transactions are properly processed, cleared, settled, and matched across networks and merchant systems
Functionality
- Matching outgoing transactions with Visa / Mastercard clearing data
- Clearing vs settlement reconciliation with discrepancy detection
- Merchant payout vs network settlement validation
- Identification of missing, rejected, or unmatched transactions
- Transaction-level reconciliation reporting
Outcomes
- Early detection of missing or incorrectly processed transactions
- Reduced financial losses from unnoticed discrepancies
- Full transparency across transaction lifecycle
- Strong foundation for accurate profitability analysis and monthly fee reconciliation
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
- Monthly validation of scheme fees and interchange against actual invoices at merchant ID level
- 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
- Accurate merchant-level scheme fee and interchange allocation
- Merchant-level scheme fees allocation
- 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
- Monthly scheme fee and interchange reconciliation at merchant ID level
- Transactional data enrichment
- Flexible reporting and enriched data export options
Outcomes
- Provide near 100% accurate IC++ pricing
- Deliver enhanced transparency to your merchants
- Validate merchant costs against actual monthly scheme invoices
- Be of full control over your merchant-level profitability
How it works
1. You share the standard set of card schemes data and monthly invoices 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 and monthly reconciliation 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 with accurate cost allocation backed by monthly reconciliation.
- 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.
Are you ready to enhance your analytics and increase revenue?
See it in action
Download the new card transaction analytics guide now!
