Cashfree Payment Gateway vs Viva.com
Cashfree Payment Gateway
cashfree.comViva.com
viva.comSide by side
| Figure | Cashfree Payment Gateway | Viva.com |
|---|---|---|
| Price from | Free | £3.99/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 7 | 8 |
| Spec score · Payment Gateways | 8.8 (#6) | 8.5 (#12) |
| Developer support | Cashfree provides FAQs, a knowledge base, email/help-desk support, chat and a Discord developer community. | Developer support includes searchable portal documentation, FAQs, GitHub Issues, chat and email support. |
| Payment methods | The gateway supports UPI, cards, net banking, wallets, EMI, pay-later products and more than 180 payment modes. | The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets. |
| Rating on Capterra | 4.4 out of 5 from 85 reviews. | 3.0 out of 5 from 1 review for viva.com Smart Checkout |
| Rating on G2 | 4.0 out of 5 from 31 reviews. | 3.8 out of 5 from 2 reviews |
| Rating on GetApp | 4.4 out of 5 from 84 reviews. | 4.0 out of 5 from 7 reviews |
| Rating on Software Advice | 4.4 out of 5 from 83 reviews. | 4.5 out of 5 from 6 reviews |
| Rating on Trustpilot | 1.5 out of 5 from 43 reviews. | 4 out of 5 from about 2,000 reviews |
| Support | The maker says enterprise accounts can receive a dedicated account manager and WhatsApp 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. |
| What it does | Cashfree provides payment collection, payouts, international payments, identity verification and fraud-detection infrastructure for businesses. | Viva.com provides business payment acceptance, accounts, card issuing and financing across European markets. |
Plans
Cashfree Payment Gateway
- Festive offerFree
- Instant SettlementsPriced on request
- Payment Gateway standard platform feePriced on request
- Standard platform feePriced on request
- EMI payment feePriced on request
- EnterprisePriced on request
- Introductory payment-gateway offerPriced on request
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
Cashfree Payment Gateway
Cashfree Payment Gateway lets businesses accept online payments through hosted checkout, web elements, mobile integrations, APIs, plugins, payment links, and forms. Cashfree lists 180+ payment modes, including UPI, cards, wallets, EMI, and Pay Later, and says merchants can accept international payments in 140+ currencies. Integration options include Android, iOS, React Native, and Flutter, with Shopify and WooCommerce plugins also listed. Cashfree says its UPI gateway connects to 8+ banks and routes transactions between them; the default UPI settlement cycle is T+2 days, while instant settlements are available to eligible businesses. It lists PCI DSS, ISO 9001, and ISO 27001 certifications and identifies itself as an RBI-authorised Payment Aggregator. Onboarding is described as paperless, with a payment expert contacting new sign-ups within 24 working hours. Standard platform fees are priced on request, deducted from successful transactions before settlement. A festive offer gives eligible new merchants no gateway fees on the first ₹20L of GMV, though GST applies and exclusions and campaign conditions apply.
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.