What VIA Consulting does

VIA Consulting, S.A. is a Portuguese IT consulting and financial technology company founded in 2006 and headquartered in Odivelas (Lisbon), Portugal, with additional offices in Colombia (Bogotá), Brazil (São Paulo), and Mozambique (Maputo). The company operates through two integrated brands: VIA Consulting, which delivers end-to-end IT consulting services — software development and maintenance, application design, project and program management, and software architecture — for financial institutions, fintechs, and payment processors; and VIA Payments, which provides proprietary payment infrastructure including a multi-source transaction reconciliation engine aligned with Visa and Mastercard aggregation rules, the MyWallet® digital wallet supporting Card Not Present and Card Present Contactless transactions, Tap to Phone capabilities, and USSD/SMS applications.

The underlying technology stack spans Java, C#/.NET, COBOL/CICS, and COBOL400 with database support across MySQL, SQL Server, Oracle, and DB2, enabling integration with legacy core banking systems alongside modern digital channels. Revenue is generated through three streams: professional services for IT consulting and custom software development, platform licensing/subscription for the VIA Payments suite (Reconciliations, MyWallet®), and managed integration and maintenance services. Pricing is quote-based, B2B, and not publicly disclosed. The company sells exclusively through direct enterprise sales to banks, acquirers, fintechs, and large financial services enterprises — with named client logos including SIBS (Portugal's Multibanco operator), Eurotux, and Wizzit. VIA holds ISO/IEC 27001 and SOC 2 certifications and PME Líder status from IAPMEI, and is a member of the European Vending Association (EVA) and E-Mobility Europe.

Name

VIA Consulting

Legal name

VIA Consulting, S.A.

Website

https://via.eu.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

VIA Consulting is a Portuguese IT consulting and financial technology company serving banks, payment processors, acquirers, and fintechs with proprietary payment infrastructure software — including reconciliation engines and the MyWallet® digital wallet — alongside end-to-end consulting services across Portugal, Colombia, Brazil, and Mozambique.

Ownership category

akta.pro rank

Product category

Financial Technology Software and Payment Infrastructure

NAICS

Other Management Consulting Services (541618), Computer Systems Design and Related Services (54151)

SIC

Services-Management Consulting Services (8742), Services-Computer Programming Services (7371)

akta.pro primary industry

Merchant Acquiring & Processing Platforms (BPAMAFAB)

akta.pro secondary industries

Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC), Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)

Keywords

• Financial technology consulting
• Payment reconciliation software
• Payment infrastructure platforms
• Banking software development
• Fintech IT services

Headquarters

HQ city

Lisbon

HQ country

Portugal

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. IT Consulting & Software Development: Custom software development, application design, software & application architecture, and project/program management services delivered to financial institutions and fintechs. Revenue generated through professional services and project-based engagements.
2. Payment Technology Platforms: Licensing or SaaS delivery of VIA Payments platforms (Reconciliations, MyWallet®) to banks, acquirers, and financial institutions for payment acceptance, processing, and reconciliation. Revenue likely derived from platform licensing, subscriptions, or usage-based fees.
3. Integration & Maintenance Services: Maintenance and monitoring of implemented software systems, integrations with core banking, insurance, ERP/CRM systems, and ongoing technical support services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

VIA Consulting delivers IT consulting and custom software development services for financial institutions, payment processors and fintechs, covering application design, software architecture, integrations, and program management. Alongside services, it sells the proprietary VIA Payments platform, including the Reconciliations engine (multi-source transaction reconciliation aligned with Visa and Mastercard schemes) and the MyWallet® digital wallet for Card Not Present and Contactless acceptance.

Product overview

VIA Consulting operates two integrated offerings: VIA Consulting (IT consulting services) and VIA Payments (financial technology products). VIA Consulting provides end-to-end consulting including Software Development & Maintenance, Application Design, Project & Program Management, and Software & Application Architecture services for financial institutions. VIA Payments delivers payment infrastructure through modules including Reconciliations (automated reconciliation for issuing and acquiring across Visa and Mastercard), MyWallet (digital wallet), and Card Not Present/Card Present contactless payment capabilities. The portfolio spans 18 years of expertise with offices in Portugal, Colombia, Brazil, and Mozambique.

Differentiator

Problem solved

Functional benefit

Brands

• MyWallet®: Digital wallet solution for payment management.

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Three partnerships are on record, tiered core and minor.

• SIBScoreTechnology or IntegrationSIBS (Sociedade Interbancária de Serviços) logo appears on the VIA Trusted By page. SIBS is Portugal's leading payment services provider operating Multibanco. A partnership with SIBS is strategically significant given VIA's focus on payment acceptance and reconciliation solutions for financial institutions in the Portuguese market.
• EVA (European Vending Association)minorStrategic or Co-development PartnerVIA recently joined EVA, becoming part of the leading European association for the vending and coffee service sector. This membership connects VIA to the vending and self-service ecosystem relevant to unattended payment acceptance solutions.
• E-Mobility EuropeminorStrategic or Co-development PartnerVIA is a member of E-Mobility Europe, the voice for Europe's collective electric vehicle ecosystem. The connection likely relates to VIA's payment infrastructure capabilities being applicable to EV charging payment ecosystems.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Thought Machine: Cloud-native core banking platform vendor that combines proprietary banking software with implementation and consulting services for financial institutions — directly comparable to VIA's hybrid software-plus-services model in financial services.
• Galileo Financial Technologies (SoFi): Payments processing and card-issuing platform for fintechs and banks — a direct adjacency to VIA Payments' reconciliation, acceptance, and digital wallet offerings.
• Marqeta: Card-issuing and embedded payments infrastructure for fintechs and banks; comparable in serving the same regulated financial-services buyer with a platform-plus-services model.
• Mambu: Composable banking SaaS platform serving banks and fintechs with associated professional services, operating in a comparable niche of modern financial infrastructure delivery.
• Capco: Global management and technology consultancy exclusively focused on financial services — competes for the same bank/acquirer digital transformation engagements that VIA pursues.

Emerging players

• Modulr: European embedded payments / payments-as-a-service provider; comparable emerging player in the same B2B fintech infrastructure space as VIA's MyWallet and Tap to Phone offerings.
• Vodeno: Cloud-native banking-as-a-service platform based in Europe that provides embedded banking and payment infrastructure for financial institutions — comparable emerging competitor to VIA's platform.

Broad incumbents

• Worldline: Major European payment service provider offering merchant acquiring, issuing, and processing software — competes with VIA Payments in unattended and Tap to Phone acceptance.
• Fiserv: Global fintech and payments giant with broad merchant acquiring, issuing, and processing capabilities; a scaled incumbent against which VIA's niche payments platform competes for bank-side RFPs.
• ACI Worldwide: Established provider of real-time payments, fraud, and banking software serving global banks and processors — overlaps with VIA's reconciliation and payment-acceptance solutions at a much larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 VIA Consulting