Paid for Stripe vs Viva.com

Paid for Stripe turns an Android or iOS phone into a card terminal for payments that go to a connected Stripe account. Tap to Pay supports contactless cards and digital wallets without a separate reader, and users may also connect a Bluetooth card reader. Checkout can draw from a reusable product catalog, accept tips, add tax, pass processing fees to customers, or collect payment through links and QR codes; recurring payments are also listed. Account owners can add team members, assign roles, and manage permissions. Stripe pays funds to the user's bank on its regular payout schedule, with instant payouts available in supported regions. The app is presented for mobile and service businesses such as beauticians, drivers, musicians, stallholders, food vans, cleaners, and tradespeople. The listed plan is free, with no monthly or setup fees and no hidden fees; the app charges 0.99% per transaction in addition to Stripe's standard fees. The site says card data is encrypted end-to-end and not stored on the device.

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.