We deliver end-to-end consulting services to help fintech companies scale, innovate, and stay compliant. From new product development to regulatory compliance, we provide the expertise you need to accelerate growth and reduce risk.
Strategy & Operations
- Business Strategy
- Innovative Product Development Bring new financial products to market quickly with our 0-to-1 product management. We guide you through ideation, development, and launch to drive revenue and customer engagement.
- Revenue Growth Strategies Identify and unlock new revenue streams through data-driven insights, market analysis, and innovative financial solutions.
- Partner Strategy & Selection Evaluate and secure partnerships with banking institutions, payment processors, and technology providers to enhance your product ecosystem.
- Operational Excellence
- Operational Design & Scalability Design simple, scalable systems optimized for efficiency, performance, and future growth. We ensure your operations align with long-term business objectives.
- Solution Delivery Launch new products with speed and agility through our expert project and program management, ensuring seamless execution of your strategic roadmap.
- Process Optimization Refine existing procedures or create new standard operating procedures (SOPs) to drive consistency, reduce costs, and enhance performance.
- Compliance & Risk Management
- KYC & KYB Frameworks Implement robust onboarding frameworks that convert qualified leads while maintaining strict compliance with KYC (Know Your Customer) and KYB (Know Your Business) regulations.
- Fraud Prevention & Risk Mitigation Protect your bottom line by implementing industry best practices for fraud detection, transaction monitoring, and risk assessment.
- Nacha Compliance Solutions Ensure full compliance with Nacha standards through tailored solutions that mitigate ACH return risk and enhance payment processing accuracy. Services include:
- ACH Authorization Language: Develop Nacha-compliant debit authorization language to ensure legal alignment and reduce disputes.
- SEC Code Usage Audit: Conduct thorough audits to ensure proper SEC code classification and mitigate exposure to unauthorized returns.
Analytics & Reporting Solutions
- KPI & OKR Reporting Design and implement customized dashboards to track progress toward key milestones, offering real-time visibility into your business performance.
- Database Solution Architecture Develop tailored database solutions to meet the unique demands of fintech and SaaS environments, optimizing data flow and system performance.
- Account Reconciliation Enable end-to-end payment tracking with robust reconciliation processes to ensure accuracy and transparency across financial operations.
- ACH Return & Chargeback Reporting Maintain Nacha compliance while reducing ACH returns and chargebacks with automated tracking and reporting systems.
- Reporting Audits Uncover gaps in your data processes through comprehensive reporting audits, ensuring you capture and utilize critical business insights.
Why Choose TorchPay?
- Industry Expertise: 15 years of experience across payments, banking, and financial technology.
- Customized Solutions: Tailored strategies that fit your unique business model and growth objectives.
- End-to-End Support: From ideation to execution, we partner with you every step of the way.