Viva.com

Viva.com is Europe’s first tech bank for businesses, delivering omnichannel payments, banking services, and business solutions through an integrated, cloud-native platform. It enables payment acceptance on 1,215+ devices via Tap on Any Device, supports online gateways, and offers card issuing, deposits, and lending to help companies scale across Europe. The Viva Wallet Group operates Viva.com and holds licensing from the Bank of Greece to provide e-money, acquiring, and issuing services across Europe.

• Omnichannel payment acceptance across 1,215+ devices
• Tap on Any Device to accept card payments on any device
• Viva.com Terminal app for in-person payments on mobile/desktop
• Viva.com Smart Checkout online gateway with adaptive conversion
• Real-time payouts, 365 days a year, and multicurrency support
• 40+ payment methods including cards, wallets, and local methods
• Easy e-commerce integrations and plug-ins for popular platforms
• Stored cards, customer preferences, and dynamic checkout features
• Strong fraud protection and regulatory compliance
• Offline payments and batch processing capabilities
• High availability via Microsoft Azure infrastructure
• Transparent tiered pricing with monthly plans

• Europe’s first tech bank for businesses with a unified platform for payments and banking
• Cloud-native, end-to-end omnichannel solution that integrates online, in-person, and remote payments
• Broad device support (1,215+ devices) and extensive payment method coverage
• European licensing and partnerships with Visa/Mastercard for acquiring and issuing
• Real-time settlements, security, and regulatory compliance designed for growth in Europe

• Omnichannel accounts (monthly plans): • Zero: €0/month (minimum monthly charge €4.99; supports up to 3 Terminal IDs and 1 website; unlimited digital cards; real-time payouts; 4 free SEPA outbound transfers in Default/Pricing tiers vary by plan) • Default: €4.99/month (up to 3 Terminal IDs, up to 1 website, 4 free SEPA outbound transfers, 2 users) • Standard: €12.99/month (up to 10 Terminal IDs, up to 3 websites, 15 free SEPA transfers, 3 users) • Premium: €19.99/month (up to 20 Terminal IDs, up to 5 websites, 30 free SEPA transfers, 5 users)
• Per-transaction and method-based fees (examples): • Card Present (Domestic & European consumer cards): Interchange-based rates with Visa/Mastercard/Maestro around 1.16–1.69% (specific cards vary); processing costs per transaction (e.g., €0.14 for some debit cards; Amex higher at ~2.75%) • Online payments: 2.19% + €0.24 per transaction • Refunds: +€0.30 per refund • 3D Secure verification: €0.03 per attempt • Other methods (Klarna, iDEAL, PayPal, etc.) have varying rates (e.g., Klarna ~2.99% + €0.35, iDEAL €0.20 per transaction)
• Additional charges for specialized services (e.g., Mastercard Send and Visa Direct: ~0.40% per transaction, min €0.08, max €0.50)