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What is Torus?

Achieve a thorough grasp of cost allocation while meticulously keeping track of all expected pricing adjustments to uncover possible savings. By making informed strategic choices, you can effectively oversee and improve profitability at both the card and merchant levels. Introduce re-pricing solutions tailored for issuers and acquirers, offer support for interchange fees, and craft pricing strategies focused on profit for BIN sponsors. Our offerings empower issuers and acquirers to generate additional millions in USD annually by enhancing their management of card network fees and improving transactional profitability. In the past, issuers often struggled to understand network costs, resulting in considerable overpayments. Our swift cost analysis tools help pinpoint and optimize excessive expenses while guaranteeing real-time updates on pricing changes. Acquirers also faced challenges with managing portfolio-level profitability on a quarterly basis and lacked visibility into margins at the merchant level. By illuminating merchant-level profitability, we refine the pricing strategies for underperforming merchants, ultimately increasing overall portfolio profitability. Partnering with Torus allows you to collaborate with industry experts, thereby significantly enhancing your financial performance and unlocking new avenues for growth in your business.

What is Modirum 3-D Secure?

Modirum delivers end-to-end 3-D Secure and payment authentication solutions that power secure online commerce for financial institutions worldwide. Its robust suite—Modirum DS, ACS, MPI, SDK, VPOS Gateway, and FSS—provides everything issuers, acquirers, and merchants need to deploy EMV® 3-D Secure 2.x authentication. The platform supports both frictionless and challenge flows, improving user experience while minimizing fraud. With a strong focus on risk-based authentication, Modirum enables dynamic fraud scoring through its Fraud Scoring Server (FSS), helping issuers approve legitimate low-risk transactions instantly. Biometric authentication options like fingerprint, voice, and facial recognition deliver security and convenience across web and mobile channels. Built for flexibility, Modirum solutions can be self-hosted, cloud-deployed, or airgapped, ensuring compatibility with any regulatory or data sovereignty requirement. The company’s SDK and APIs simplify mobile integration for merchants, while its VPOS gateway extends secure processing to virtual terminals. Modirum also provides audit preparation, compliance consulting, and ongoing support, ensuring customers stay aligned with EMVCo and card scheme mandates. Recognized globally for reliability, Modirum’s 3-D Secure technology is trusted by banks, fintechs, and processors handling billions in online transactions. Its mission remains to protect digital payments and make authentication seamless, secure, and future-ready.

Media

Media

Integrations Supported

Additional information not provided

Integrations Supported

Additional information not provided

API Availability

API Availability

Pricing Information

Pricing not provided

Pricing Information

Pricing not provided

Supported Platforms

SaaS

Supported Platforms

SaaS

Customer Service / Support

Web-Based Support

Customer Service / Support

Standard Support
Web-Based Support

Training Options

Documentation Hub
Online Training

Training Options

Documentation Hub
On-Site Training

Company Facts

Organization Name

Torus

Company Location

United States

Company Website

torusadvisors.com

Company Facts

Organization Name

Modirum

Company Location

Estonia

Company Website

modirum.anduin.net/3dsecure/

Categories and Features

Banking

Not specified

Categories and Features

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