What EFICIO does

EFICIO is a privately held, for-profit company headquartered in Montréal, Canada, founded in 2014, with a headcount of 11-50 employees. The firm self-positions in the digital transformation and "CIO on Demand" consulting segment, an offering consistent with interim technology leadership, IT strategy, and transformation advisory services for clients that need senior technology execution on a fractional or project basis.

Beyond the high-level positioning, the evidentiary record on EFICIO's core products, underlying technology, and business model is thin. No pricing model, revenue mechanics, named customers, contract values, or specific product portfolio is disclosed. The corporate website (eficio.ca) currently displays only a verification/loading page and does not yield descriptions of services, deliverables, or platform architecture. No patents, trademarks, certifications, or technology stack details are listed, and no management team beyond Pierre Farley (Director/Associate) is named.

The only substantive, documented commercial signal in the input is a strategic partnership announced on 2026-02-16 with VIYONA Fintech to enable cross-border acceptance of India's UPI payments, with initial geographic focus on the Middle East, North America, Europe, and Southeast Asia. The collaboration is described as integrating foreign exchange, compliance, and settlement capabilities, subject to regulatory approvals, targeting remittance and digital commerce flows for Indian consumers and businesses. This positions EFICIO, at minimum, as a channel or integration partner in the cross-border UPI payments ecosystem, alongside its broader digital-transformation consulting identity.

Name

EFICIO

Website

https://eficio.ca

Company type

Private

Founded year

2014

Headcount range

11–50 employees

Short description

EFICIO is a Montreal-based, privately held digital transformation and CIO-on-demand consulting firm founded in 2014, which has partnered with VIYONA Fintech to enable cross-border UPI payment acceptance across the Middle East, North America, Europe, and Southeast Asia.

Ownership category

akta.pro rank

Product category

Digital Transformation Consulting

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Miscellaneous Intermediation (523910)

SIC

Services-Management Consulting Services (8742), Finance Services (6199)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

akta.pro secondary industry

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

Keywords

• Digital transformation consulting
• Fractional CIO services
• IT strategy advisory
• Technology consulting
• Cross-border payments

Headquarters

HQ city

Montréal

HQ country

Canada

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Core offering

EFICIO provides Digital Transformation consulting and CIO on Demand services, supplying organizations with senior technology leadership and advisory on a fractional or interim basis. The firm also engages in strategic fintech partnerships — notably with VIYONA Fintech — to enable cross-border acceptance of India's UPI payments, integrating foreign exchange, compliance, and settlement capabilities for international remittance and digital commerce flows.

Differentiator

Problem solved

Functional benefit

Products and services

• Digital Transformation Consulting Advisory services that help organizations plan and execute digital transformation initiatives, including technology strategy, operating model design, and execution support. Targeted at organizations needing senior-level technology guidance on digital initiatives.
• CIO on Demand Fractional/interim CIO services providing senior IT leadership on a part-time or interim basis to organizations that lack a full-time CIO or need supplemental executive technology leadership.
• Cross-Border UPI Acceptance Enablement (via VIYONA Fintech partnership) Cross-border payments enablement that integrates foreign exchange, compliance, and settlement capabilities so merchants and payment platforms can accept India's UPI from consumers and businesses transacting internationally. Targeted at Indian consumers and businesses needing remittance and digital commerce flows abroad.

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• VIYONA FintechcoreStrategic or Co-development Partner · 16 February 2026VIYONA Fintech and EFICIO have partnered to enable cross-border acceptance of India's UPI payments. The collaboration focuses initially on regions including the Middle East, North America, Europe, and Southeast Asia. The partnership aims to facilitate seamless international transactions by integrating foreign exchange, compliance, and settlement capabilities, subject to regulatory approvals. This partnership enhances remittance and digital commerce flows for Indian consumers and businesses.

Recent moves1 record

Expansion highlights3 records

Direct peers

• NIUM: Singapore-headquartered cross-border payments infrastructure platform with deep India/UPI integration. Most directly comparable to EFICIO's VIYONA-mediated cross-border UPI acceptance value proposition, sharing both target corridors and underlying rails.
• Wise: Global consumer and business cross-border payments platform operating across the same Middle East, North America, Europe, and Southeast Asia corridors EFICIO is targeting. Closest direct competitor on cross-border FX and remittance economics.
• Remitly: Digital remittance company with one of the largest US-to-India corridors globally. Competes head-to-head for the same Indian diaspora remittance flows EFICIO's UPI partnership aims to enable.
• WorldRemit: Cross-border digital money transfer platform with strong emerging-market corridor coverage including India. Directly comparable business model and corridor overlap with EFICIO's stated target markets.
• Payoneer: Cross-border payments platform focused on SMBs and freelancers, with India corridor activity. Comparable digital cross-border B2B/B2C payments positioning adjacent to EFICIO's UPI-enabled commerce flow.
• Currencycloud: Cross-border payments-as-a-service infrastructure provider (now part of Visa) offering FX, multi-currency wallets, and API-led settlement. Directly comparable infrastructure-layer offering to what EFICIO appears to be assembling around VIYONA.

Broad incumbents

• MoneyGram: Established global money transfer incumbent with extensive India corridor presence and digital channel investments. Operates across all four regions EFICIO is targeting, offering broader portfolio of services including cash-pickup.
• PayPal: Global payments giant whose Xoom service directly competes in the India remittance space, alongside broader cross-border commerce capabilities. Represents the entrenched platform incumbent across EFICIO's target geographies.
• Adyen: Global payments platform serving enterprise merchants with cross-border acquiring and settlement capabilities. Comparable in the broader cross-border payment infrastructure space EFICIO is moving into via the VIYONA partnership.
• Ripple: Enterprise cross-border payments and FX infrastructure provider targeting banks and payment service providers. Comparable at the cross-border settlement infrastructure layer where EFICIO's partnership would also operate.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat1 record

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/integra-co

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EFICIO