BillDesk vs Viva.com
BillDesk
billdesk.comViva.com
viva.comSide by side
| Figure | BillDesk | Viva.com |
|---|---|---|
| Price from | — | £3.99/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 8 |
| Spec score · Payment Gateways | 7.5 (#33) | 8.5 (#12) |
| Payment methods | Its online payment platform supports more than 150 payment methods, including cards, UPI, net banking, NEFT/RTGS, wallets and pay with points. | The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets. |
| Regulatory status | IndiaIdeas.com Limited is authorized by the Reserve Bank of India as an Online Payment Aggregator and a Bharat Connect Operating Unit. | Viva Wallet.com Limited trading as Viva.com is licensed by the UK Financial Conduct Authority as an electronic-money institution under FRN 989273. |
| Security | BillDesk says it is a Level 1 PCI DSS 4.0 Service Provider, compliant with ISO/IEC 27001:2022, and hosted in India at Tier III data centers certified to ISO/IEC 27001:2022. | Viva.com says it is a PCI DSS Level 1 Service Provider and protects data in transit and at rest in its cloud infrastructure. |
| Support | The online payment offering includes 24/7 app and merchant support, while enterprise customers can receive a dedicated service delivery team. | 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. |
| Who it serves | BillDesk says it works with startups, large corporates and multinational companies across sectors, as well as businesses, governments and financial institutions. | Viva.com describes its services as business solutions and says it enables payment acceptance in 30 countries. |
Plans
Viva.com
- ZeroFree
- Default£3.99 a month
- Omnichannel Default£3.99 a month
- Omnichannel Standard£10.99 a month
- Standard£10.99 a month
- Omnichannel Premium£15.99 a month
- Premium£15.99 a month
- Omnichannel ZeroPrice not published
In their own words
Viva.com
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.