Lopay vs Viva.com
Lopay
lopay.comViva.com
viva.comSide by side
| Figure | Lopay | 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 |
| Plans published | 3 | 8 |
| Spec score · Mobile Payment Processing Software | 7.9 (#8) | 8.6 (#2) |
| Integrations | Lopay’s help center documents integrations with Xero and QuickBooks; its payment page also describes adding Lopay payment links to Intuit invoices. | Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6. |
| Payment methods | Its pricing page lists chip and PIN, contactless and wallet payments, NFC and wearables, Tap to Pay, payment links, subscriptions, donations, QR codes, invoicing, and refunds. | The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets. |
| Security | Lopay states that it is PCI DSS compliant and that payment data is encrypted and tokenized, with compliance independently verified by an accredited third-party assessor. | 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 | Lopay lists in-app, email, and phone support, guided in-app onboarding, and access to more than 60 help articles. | 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. |
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
Lopay
Lopay provides businesses with tools to accept in-person payments, collect money through payment links, and use point-of-sale features. Its listed payment methods include chip and PIN, contactless and wallet payments, NFC and wearables, Tap to Pay, subscriptions, donations, QR codes, invoicing, and refunds. The point-of-sale feature lets merchants organize products, manage stock, and check out on a smartphone or tablet. Payment links can collect deposits or payment for remote services, as one-time or recurring charges. Lopay documents integrations with Xero and QuickBooks, and its payment page describes adding payment links to Intuit invoices. A Lopay account can connect to one Xero organization; daily syncing requires a supported Xero plan and excludes Ignite and lower or free plans. Tap to Pay requires an iPhone XS or later running iOS 16.4 or later, or Android 10 or later with NFC enabled. Lopay lists in-app, email, and phone support, guided onboarding, and more than 60 help articles. Its three listed plans have no monthly fee.
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.