Torus and SRM Launch Joint Solution to Recover Billions in Acquirer Fees

Payments profitability intelligence platform Torus has joined forces with international advisory firm SRM to address a major profit drain for payment acquirers. The companies launched the SRM/Torus Acquirer Profitability Solution, designed to give acquirers transaction-level visibility into scheme fees and merchant profitability.

The joint offering delivers three core capabilities: transaction-level scheme fee assurance, automated reconciliation processes, and merchant profitability analytics. These tools help acquirers tackle rising operational costs, increasingly complex card scheme fee structures, shrinking margins, and heightened regulatory oversight.

The solution provides automated, merchant-level calculation and recovery of interchange and scheme fees, reducing revenue leakage and improving billing accuracy. Acquirers gain daily transaction-level reconciliation between card schemes and merchant settlement files, creating complete visibility into any discrepancies.

The platform also delivers comprehensive daily profitability analysis across individual merchants, portfolios, and business segments. This enables acquirers to make more informed pricing decisions, strengthen commercial performance, and produce better management reporting.

By combining SRM's deep advisory expertise with the Torus transaction-level analytics platform, we've created a solution that addresses one of the industry's largest hidden profit leakage challenges, Torus CEO Kirill Lisitsyn said. > Our customers are already demonstrating that significant improvements in profitability can be achieved through better fee assurance, stronger pricing governance, and automated analytics.

The partnership launch coincides with a new white paper from SRM titled Transforming Acquirer Profitability. The report examines current commercial pressures facing acquirers and identifies weaknesses in traditional approaches to scheme fee management.

The white paper explains why many acquirers still depend on manual processes and aggregated reporting, despite these methods offering limited profitability visibility, requiring substantial operational effort, and leaving room for revenue leakage. The SRM/Torus solution addresses these gaps by enabling accurate scheme fee allocation, settlement reconciliation, identification of under- and over-recovery, and enhanced pricing governance.

One mid-sized European acquirer using the technology improved annual scheme fee recovery by €4 million, representing roughly 10% of total scheme fee costs. Based on this and similar implementations, SRM's economic analysis suggests acquirers could collectively recover $1 billion in operational costs over the next five years.

The report also projects that $3 billion to $5.5 billion in additional fee revenue could be realized through more accurate and transparent data oversight. These figures highlight the scale of profit leakage currently affecting the acquiring industry.

The economics of acquiring have fundamentally changed, SRM Europe Managing Partner John Berns said. > Growing scheme fee complexity means that traditional reconciliation processes are no longer sufficient. Financial institutions need transaction-level visibility to understand where revenue is being lost, ensure fees are accurately recovered, and make better commercial decisions.

Torus, headquartered in Vilnius, Lithuania, offers a SaaS intelligence platform for banks and fintechs that helps boost profits on card transactions by up to 50%. Founded in 2021, the company's technology enables financial institutions to analyze scheme fees, reconcile transaction flows, control unit-level profitability, and optimize pricing. The company most recently demonstrated its platform at FinovateEurope 2025 in London.

SRM is an international advisory and execution firm that helps financial institutions add value in payments, digital transformation, core processing, digital assets, and operational efficiency. The company assists clients with payments modernization, enterprise strategy development, and deployment of transformative technologies to reduce costs, create revenue opportunities, and increase productivity. SRM made its Finovate debut at FinovateFall 2023 in New York.