Business credit cards 
Spend management 
Bank admin tool 
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Meet BAT—the operating system for modern banks.
Own every moment of your card program. Torpago’s Bank Admin Tool (BAT) puts live insights, instant risk controls, and secure permission tiers at your fingertips. Spot issues sooner, act faster, and serve customers better.
AI-powered admin tools for modern bank card programs
Torpago’s Bank Admin Tool combines financial control, automated operations, and AI-driven insights—move faster, stay compliant, and scale with confidence.
Card management & control
- Corporate card issuance
- Spend controls at all levels
- MCC filtering and merchant blacklisting
- Real-time payment gateway
Financial management
- Transaction monitoring with audit trails
- Invoice management and billing cycles
- Payment processing and reconciliation
- Real-time balance tracking across org structures
Built for risk, control, and compliance
Powerful tools to underwrite with confidence, manage risk, and secure every layer of your credit program—at scale.
Credit decisioning
- Automated underwriting engine
- Custom credit policy configuration
- Real-time business risk scoring
- Seamless integration with onboarding and funding
Risk & compliance
- Dispute management
- Days Past Due (DPD) tracking
- Automated risk scoring
- Comprehensive audit logging
Security & authentication
- OAuth2 / OIDC authentication
- Fine-grained access with Permify
- Secure, RESTful API design
Streamlined operations and real-time insights
Track settlements, analyze spend, and automate workflows with tools built to simplify operations and unlock powerful financial visibility.
Credit card settlement
- Visa and Mastercard network support
- Real-time settlement file access
- Auto-reconciliation and ledger matching
- Transparent historical settlement logs
Reporting & analytics
- Customizable financial reporting
- Transaction and spend trend analysis
- Monthly statement generation
- Data export in multiple formats
Integrations & automation
- Salesforce integration
- Automated email notifications
- SFTP and S3 support
- Receipt capture and matching
See Torpago’s Bank Admin Tool in action.
From instant risk actions and flexible permission tiers to real-time insights—streamline your project oversight and resolve issues before they ripple.
Banking is evolving—Torpago helps you keep up.
Get fresh perspectives, compliance updates, and growth strategies—everything you need to stay ahead in commercial banking.
