Viva.com
Viva.com provides businesses with payment acceptance and financial services for in-person, online, remote, and marketplace transactions.
What Viva.com is
Viva.com provides businesses with payment acceptance and financial services for in-person, online, remote, and marketplace transactions. Its Terminal app accepts contactless payments on supported Android and iOS devices. Smart Checkout supports more than 40 payment methods, saved cards, multicurrency payments, and decline recovery. Businesses without an online store can request payments by email, use a virtual terminal, or share Quick Pay links. E-commerce plugins are available for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6. The developer portal documents Basic Auth and OAuth 2.0 integrations, testing environments, responses, and error debugging. Viva.com supports recurring and marketplace payments, eight currencies, and cards, digital wallets, local payment methods, direct debit, and other methods. The company says its services enable payment acceptance in 30 countries. UK monthly plans include Omnichannel Default at £3.99 per month, Standard at £10.99 per month, and Premium at £15.99 per month. The UK pricing page also lists support options, including free digital AI-agent chat and paid chat, call, or video appointments. Viva.com says it is a PCI DSS Level 1 Service Provider and protects data in transit and at rest.
Good
- Terminal app accepts contactless payments on supported phones.
- Smart Checkout supports more than 40 payment methods.
- Remote payment options include email requests and Quick Pay links.
- Developer portal documents Basic Auth and OAuth 2.0.
Watch out
- Extra terminal IDs or websites cost £1.70 monthly each.
- Extra users cost £0.85 monthly each.
Who it suits
Viva.com suits businesses taking payments in person, online, remotely, or through marketplaces. It may also suit merchants seeking e-commerce plugins or developer integration options.
Verdict
Viva.com covers several payment channels, with checkout, remote payment, plugin, and developer options. Compare the monthly plan limits and listed charges for additional IDs, websites, and users when choosing a plan.
Plans and prices
From Viva.com's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Zero | Free | Terminal IDs/websites per item · unlimited digital cards · real-time settlement · users per user · minimum monthly charge £3.99 · Monthly |
| Omnichannel Default | £3.99 a month | Up to 3 terminal IDs · up to 1 website · unlimited digital cards · 4 free outgoing transfers · 2 users · Monthly |
| Default | £3.99 a month | Up to 3 terminal IDs · up to 1 website · unlimited digital cards · real-time settlement · 4 free outgoing transfers · 2 users · Monthly |
| Omnichannel Standard | £10.99 a month | Up to 10 terminal IDs · up to 3 websites · unlimited digital cards · 15 free outgoing transfers · 3 users · Monthly |
| Standard | £10.99 a month | Up to 10 terminal IDs · up to 3 websites · unlimited digital cards · real-time settlement · 15 free outgoing transfers · 3 users · Monthly |
| Premium | £15.99 a month | Up to 20 terminal IDs · up to 5 websites · unlimited digital cards · real-time settlement · 30 free outgoing transfers · 5 users · Monthly |
| Omnichannel Premium | £15.99 a month | Up to 20 terminal IDs · up to 5 websites · unlimited digital cards · 30 free outgoing transfers · 5 users · Monthly |
| Omnichannel Zero | — | Terminal IDs and websites charged per item · unlimited digital cards · real-time settlement · users charged per user · Monthly; £3.99 minimum monthly charge |
The facts
Each one read from Viva.com's own pages, with the date it was checked.
Where it runs
- Android requirements
- The Terminal app supports Android 8.1 or later, while its mini card reader requires Android 12 or later.checked 15 Oct 2026
- Limit: Apple eligibility
- An Apple App Store reviewer says the service requires a fully registered business and is unsuitable for hobby sellers below the registration threshold.checked 15 Oct 2026
- Limit: GetApp funds and support
- GetApp reviews include complaints about delayed payout of received funds, weak guidance and customer-service problems.checked 15 Oct 2026
What it does
- Cloud architecture
- Viva.com says its platform is built entirely on Microsoft Azure.checked 15 Oct 2026
- Developer support
- Developer support includes searchable portal documentation, FAQs, GitHub Issues, chat and email support.checked 15 Oct 2026
- Developer tools
- The developer portal documents Basic Auth and OAuth 2.0 integrations, testing environments, responses, and error debugging.checked 8 Oct 2026
- E-commerce integrations
- Official plugins are documented for Shopify, WooCommerce, PrestaShop, OpenCart, Magento and Shopware 6.checked 15 Oct 2026
- In-person payments
- Its Terminal app lets businesses accept contactless payments using supported Android and iOS devices.checked 8 Oct 2026
- Integrations
- Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6.checked 8 Oct 2026
- iPhone requirements
- Tap to Pay on iPhone supports iPhone XS/XR or later and requires iOS 16.7 or later according to the help center.checked 15 Oct 2026
- ISV ecosystem
- Viva.com says it works with more than 100 certified software providers in 19 countries.checked 15 Oct 2026
- Legal name
- Crunchbase identifies the legal entity as Viva Payment Services Single Member S.A.checked 15 Oct 2026
- License
- The end-user agreement governs use of Viva.com applications and services under contractual license terms rather than an open-source license.checked 15 Oct 2026
- Limit: Capterra pricing and support
- The same Capterra reviewer cites a €5 monthly fee introduced in 2024 and a marked decline in customer service.checked 15 Oct 2026
- Limit: G2 maturity and configuration
- G2 reviewers report that the product still needs maturity improvements and that configuration can be difficult for small businesses.checked 15 Oct 2026
- Limit: Google Play login and support
- A Google Play reviewer reports being unable to log in for 15 days and receiving repetitive chatbot responses instead of human help.checked 15 Oct 2026
- Notable news: UK authorization
- Viva.com announced UK electronic-money institution authorization from the FCA on 12 October 2023.checked 15 Oct 2026
- Online checkout
- Smart Checkout supports more than 40 payment methods and offers saved cards, multicurrency payments, and decline recovery.checked 8 Oct 2026
- Online payment security
- Smart Checkout supports PCI DSS and SCA/3DS compliance and machine-learning fraud protection.checked 8 Oct 2026
- Operational features
- The Terminal product includes tipping, surcharging, offline transactions, batches, dynamic currency conversion and real-time settlement.checked 15 Oct 2026
- Payment methods
- The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets.checked 15 Oct 2026
- Praise: Capterra support history
- A Capterra reviewer says Viva was especially helpful for starting European CBD sales.checked 15 Oct 2026
The company
- Company profile
- LinkedIn lists Viva.com as founded in 2010, headquartered in Marousi, Attica, and employing 1,001–5,000 people.checked 15 Oct 2026
Money
- Plan limits
- The pricing page lists an additional monthly charge of £1.70 per extra terminal ID or website and £0.85 per extra user.checked 8 Oct 2026
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