Efficacy Payments is a South African payments company that was founded to displace cash in formal and informal retail environments. It is our vision to drive the electronification of payments and foster greater financial inclusion in key African markets. We take a partner-led approach to payments innovation, working closely with banks, retailers and financial services providers to develop customer-centric payments solutions. Driven by a senior team with a wealth of experience in the local and global payments, technology and financial services industries, Efficacy Payments works with our partners to develop innovative digital payment systems that deliver new levels of inclusion, relevance and value to consumers and businesses. We are part of the Crossgate group of companies, which is owned by leading African fintech holding company Crossfin.