NAB Easy Tap vs Viva.com

NAB Easy Tap turns an eligible Android device into a contactless payment terminal, so a separate reader is not required. Its Pay as you go plan is free, with a fee charged only when you take a payment and no setup or terminal hardware fees. The 1.30% per tap rate applies to eligible Visa, Mastercard and eftpos transactions; Apple Pay, Google Wallet and Samsung Pay are also listed payment methods. The app requires an NFC-enabled device running Android 14 or later and an internet connection, and it cannot accept offline payments. Users can view transactions, daily totals and daily, weekly and quarterly sales reports. NAB says transactions settled to a NAB Business Everyday Account before 9:30pm AEST/AEDT receive same-day settlement, seven days a week. Easy Tap does not integrate with existing accounting software. Applicants need an active ABN and an eligible business or organization role, and must meet NAB's merchant-facility history condition.

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.