NOWPayments vs Viva.com
NOWPayments
nowpayments.ioViva.com
viva.comSide by side
| Figure | NOWPayments | 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 | 5 | 8 |
| Spec score · Payment Gateways | 8.5 (#11) | 8.5 (#12) |
| Company profile | LinkedIn lists NOWPayments as privately held, founded in 2019, headquartered in Tallinn, Estonia, with 11–50 employees. | LinkedIn lists Viva.com as founded in 2010, headquartered in Marousi, Attica, and employing 1,001–5,000 people. |
| E-commerce integrations | Official CMS integrations cover WooCommerce, Magento 2, OpenCart, WHMCS, PrestaShop, Shopify, Ecwid and Zen Cart. | Official plugins are documented for Shopify, WooCommerce, PrestaShop, OpenCart, Magento and Shopware 6. |
| Integrations | NOWPayments names WooCommerce, WHMCS, Magento 2, OpenCart, Zen Cart, PrestaShop, and Ecwid among its ecommerce plugin integrations. | Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6. |
| Rating on G2 | 4.5 out of 5 from 13 reviews | 3.8 out of 5 from 2 reviews |
| Rating on Trustpilot | 4.5 out of 5 from 1,100 reviews | 4 out of 5 from about 2,000 reviews |
| Security controls | The homepage lists two-factor authentication, role-based access and withdrawal address whitelisting. | The security page describes tokenization, dynamic CVV, AI fraud detection, biometrics, encryption, hardware security modules and DDoS-protected cloud infrastructure. |
| Support | The pricing page advertises 24/7 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 | NOWPayments is a non-custodial gateway for accepting cryptocurrency payments, donations and payouts through websites, stores and social accounts. | Viva.com provides business payment acceptance, accounts, card issuing and financing across European markets. |
Plans
NOWPayments
- Standard payment processingFree
- Autoconverted or fixed-rate paymentsPrice not published
- Off-chain conversionsPrice not published
- Payments without conversionPrice not published
- Withdrawals and mass payoutsPrice not published
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
NOWPayments
NOWPayments lets businesses accept cryptocurrency payments on websites, online stores, and social media accounts. Its homepage says the gateway supports 350+ crypto coins and 75+ fiat coins. Payment options include invoices, subscriptions, buttons, donations, point of sale, widgets, plugins, and a white-label option. The API supports instant payment notifications and allows one order to be paid with multiple cryptocurrencies. Named ecommerce integrations include WooCommerce, WHMCS, Magento 2, OpenCart, Zen Cart, PrestaShop, and Ecwid. NOWPayments describes its service as non-custodial and says it does not hold or store customer funds. Received crypto can be converted automatically into a chosen cryptocurrency using ChangeNOW. Account security controls include two-factor authentication, role-based access, and withdrawal whitelisting. The company presents the service for businesses including ecommerce, gaming, SaaS, marketplaces, charities, payroll, and travel. It advertises 24/7 support. NOWPayments was founded in 2019 by the team behind ChangeNOW and identifies FD Transfers LLC as its operator. The listed standard payment processing plan is free; blockchain network fees are excluded, and enterprise pricing is available on request.
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.