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Viva.com

viva.com

From £3.99/mo Free plan WebiOSAndroidAPI
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Spec score 8.6 #2 of 27 in Mobile Payment Processing Software

What it is

Viva.com is a business payments and financial-services platform covering in-person, online, remote and marketplace transactions. Its Terminal app turns supported Android and iOS devices into contactless payment points. Smart Checkout handles more than 40 payment methods, including cards, digital wallets, local methods and direct debit, with saved cards, multicurrency payments and decline recovery. Businesses without an online store can request payment by email, use a virtual terminal or share Quick Pay links. Plugins are available for Shopify, WooCommerce, PrestaShop, OpenCart, Magento and Shopware 6. The developer portal documents Basic Auth, OAuth 2.0, testing environments, responses and error debugging. Viva.com lists recurring and marketplace payments, eight supported currencies and payment acceptance in 30 countries. It offers Android, iOS, web and API access. UK plans start at £3.99/mo, with Omnichannel Default, Standard and Premium plans providing different limits for terminals, websites, transfers and users. The service lists PCI DSS Level 1 status, SCA/3DS support and machine-learning fraud protection.

Spec sheet

What it does
Viva.com provides business payment acceptance, accounts, card issuing and financing across European markets.Read 15 Oct 2026 · euhelp.viva.com
Integrations
Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6.Read 8 Oct 2026 · developer.viva.com
Security
Viva.com says it is a PCI DSS Level 1 Service Provider and protects data in transit and at rest in its cloud infrastructure.Read 8 Oct 2026 · viva.com
Support
The UK pricing page lists free digital AI-agent chat, £3.99 Standard digital or human-agent chat, and £15.99 Premium chat, call, or video appointments per month.Read 8 Oct 2026 · viva.com
License
The end-user agreement governs use of Viva.com applications and services under contractual license terms rather than an open-source license.Read 15 Oct 2026 · euhelp.viva.com
Android requirements
The Terminal app supports Android 8.1 or later, while its mini card reader requires Android 12 or later.Read 15 Oct 2026 · ukhelp.viva.com
Cloud architecture
Viva.com says its platform is built entirely on Microsoft Azure.Read 15 Oct 2026 · viva.com
Company profile
LinkedIn lists Viva.com as founded in 2010, headquartered in Marousi, Attica, and employing 1,001–5,000 people.Read 15 Oct 2026 · linkedin.com
Developer support
Developer support includes searchable portal documentation, FAQs, GitHub Issues, chat and email support.Read 15 Oct 2026 · developer.viva.com
Developer tools
The developer portal documents Basic Auth and OAuth 2.0 integrations, testing environments, responses, and error debugging.Read 8 Oct 2026 · developer.viva.com
E-commerce integrations
Official plugins are documented for Shopify, WooCommerce, PrestaShop, OpenCart, Magento and Shopware 6.Read 15 Oct 2026 · developer.viva.com
In-person payments
Its Terminal app lets businesses accept contactless payments using supported Android and iOS devices.Read 8 Oct 2026 · euhelp.viva.com
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.Read 15 Oct 2026 · ukhelp.viva.com
ISV ecosystem
Viva.com says it works with more than 100 certified software providers in 19 countries.Read 15 Oct 2026 · ukhelp.viva.com
Legal name
Crunchbase identifies the legal entity as Viva Payment Services Single Member S.A.Read 15 Oct 2026 · crunchbase.com
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.Read 15 Oct 2026 · apps.apple.com
Limit: Capterra pricing and support
The same Capterra reviewer cites a €5 monthly fee introduced in 2024 and a marked decline in customer service.Read 15 Oct 2026 · capterra.com
Limit: G2 maturity and configuration
G2 reviewers report that the product still needs maturity improvements and that configuration can be difficult for small businesses.Read 15 Oct 2026 · g2.com
Limit: GetApp funds and support
GetApp reviews include complaints about delayed payout of received funds, weak guidance and customer-service problems.Read 15 Oct 2026 · capterra.com
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.Read 15 Oct 2026 · play.google.com
Notable news: UK authorization
Viva.com announced UK electronic-money institution authorization from the FCA on 12 October 2023.Read 15 Oct 2026 · viva.com
Online checkout
Smart Checkout supports more than 40 payment methods and offers saved cards, multicurrency payments, and decline recovery.Read 8 Oct 2026 · viva.com
Online payment security
Smart Checkout supports PCI DSS and SCA/3DS compliance and machine-learning fraud protection.Read 8 Oct 2026 · viva.com
Operational features
The Terminal product includes tipping, surcharging, offline transactions, batches, dynamic currency conversion and real-time settlement.Read 15 Oct 2026 · viva.com
Payment methods
The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets.Read 15 Oct 2026 · viva.com
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.Read 8 Oct 2026 · viva.com
Praise: Capterra support history
A Capterra reviewer says Viva was especially helpful for starting European CBD sales.Read 15 Oct 2026 · capterra.com
Praise: G2 payment processing
G2 reviewers praise fast payment processing, comparatively easy integration and a useful dashboard.Read 15 Oct 2026 · g2.com
Praise: GetApp integration
GetApp review data includes positive comments about easy integration and good fees.Read 15 Oct 2026 · capterra.com
Public APIs
The developer portal documents Standard Payment, ISV Payment, Cloud Terminal and Local Terminal APIs.Read 15 Oct 2026 · developer.viva.com
Rating on Apple App Store
4.7 out of 5 from 2K ratings in the UK storeRead 15 Oct 2026 · apps.apple.com
Rating on Capterra
3.0 out of 5 from 1 review for viva.com Smart CheckoutRead 15 Oct 2026 · capterra.com
Rating on G2
3.8 out of 5 from 2 reviewsRead 15 Oct 2026 · g2.com
Rating on GetApp
4.0 out of 5 from 7 reviewsRead 15 Oct 2026 · getapp.com
Rating on Google Play
3.3 out of 5 from 17K reviewsRead 15 Oct 2026 · play.google.com
Rating on Software Advice
4.5 out of 5 from 6 reviewsRead 15 Oct 2026 · softwareadvice.com
Rating on Trustpilot
4 out of 5 from about 2,000 reviewsRead 15 Oct 2026 · trustpilot.com
Regulatory status
Viva Wallet.com Limited trading as Viva.com is licensed by the UK Financial Conduct Authority as an electronic-money institution under FRN 989273.Read 15 Oct 2026 · viva.com
Remote payments
Businesses without an online store can request payments by email, use a virtual terminal, or share Quick Pay links.Read 8 Oct 2026 · viva.com
Security certification
Viva.com states that it is a PCI DSS Level 1 service provider and undergoes yearly third-party assessments.Read 15 Oct 2026 · developer.viva.com
Security controls
The security page describes tokenization, dynamic CVV, AI fraud detection, biometrics, encryption, hardware security modules and DDoS-protected cloud infrastructure.Read 15 Oct 2026 · developer.viva.com
Smart Checkout
Smart Checkout is Viva.com’s online payment gateway for e-commerce stores.Read 15 Oct 2026 · viva.com
Supported hardware
Viva.com advertises more than 1,215 compatible payment devices across 31 markets.Read 15 Oct 2026 · viva.com
Tap on Any Device
Its Terminal app turns supported phones, tablets, registers and kiosks into contactless payment terminals.Read 15 Oct 2026 · viva.com
Who it serves
Viva.com describes its services as business solutions and says it enables payment acceptance in 30 countries.Read 8 Oct 2026 · euhelp.viva.com
WooCommerce requirements
The Smart Checkout WooCommerce integration requires PHP 7.4 or newer, WordPress 6.5 or newer, an SSL domain and cURL support.Read 15 Oct 2026 · ukhelp.viva.com

Plans and prices

Zero Free Monthly Terminal IDs/websites per item · unlimited digital cards · real-time settlement · users per user · minimum monthly charge £3.99 Read 15 Oct 2026 · viva.com
Default £3.99 a month Monthly Up to 3 terminal IDs · up to 1 website · unlimited digital cards · real-time settlement · 4 free outgoing transfers · 2 users Read 15 Oct 2026 · viva.com
Omnichannel Default £3.99 a month Monthly Up to 3 terminal IDs · up to 1 website · unlimited digital cards · 4 free outgoing transfers · 2 users Read 8 Oct 2026 · viva.com
Omnichannel Standard £10.99 a month Monthly Up to 10 terminal IDs · up to 3 websites · unlimited digital cards · 15 free outgoing transfers · 3 users Read 8 Oct 2026 · viva.com
Standard £10.99 a month Monthly Up to 10 terminal IDs · up to 3 websites · unlimited digital cards · real-time settlement · 15 free outgoing transfers · 3 users Read 15 Oct 2026 · viva.com
Omnichannel Premium £15.99 a month Monthly Up to 20 terminal IDs · up to 5 websites · unlimited digital cards · 30 free outgoing transfers · 5 users Read 8 Oct 2026 · viva.com
Premium £15.99 a month Monthly Up to 20 terminal IDs · up to 5 websites · unlimited digital cards · real-time settlement · 30 free outgoing transfers · 5 users Read 15 Oct 2026 · viva.com
Omnichannel Zero Price not published Monthly; £3.99 minimum monthly charge Terminal IDs and websites charged per item · unlimited digital cards · real-time settlement · users charged per user Read 8 Oct 2026 · viva.com

Every Viva.com plan and price →

Strong points and limits

Strong points

  • Supports in-person, online, remote and marketplace payments
  • Smart Checkout offers more than 40 payment methods
  • Plugins cover six listed e-commerce platforms
  • Recurring payments and eight currencies supported
  • Android, iOS, web and API access

Limits

  • UK plans start at £3.99/mo
  • Extra terminal IDs or websites cost £1.70 monthly
  • Extra users cost £0.85 each
  • Premium support costs £15.99 per month

Who it suits

It suits businesses needing payment acceptance across physical, online, remote or marketplace channels. Developers and merchants using the listed e-commerce platforms can use its plugins and documented APIs.

Verdict

Viva.com combines multiple payment channels, integrations and developer documentation in one service. Check the plan limits and support charges against your terminals, websites and users before choosing a tier.

Where Specifiction places it

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