PayAnywhere vs Viva.com
PayAnywhere
payanywhere.comViva.com
viva.comSide by side
| Figure | PayAnywhere | 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 | 2 | 8 |
| Spec score · Mobile Credit Card Processing Software | 7.9 (#8) | 8.6 (#4) |
| Spec score · Mobile Payment Processing Software | 7.8 (#11) | 8.6 (#2) |
| Security | The Virtual Terminal page says transactions use end-to-end encryption, tokenization, and in-house payment processing; Payment Links are described as protected by certified point-to-point encryption and tokenization. | 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 | The company page lists customer support at [email protected] and 866.485.8999. | 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
PayAnywhere
PayAnywhere provides point-of-sale software, payment processing, Payments Hub back-office tools, and payment hardware for businesses. It runs on Android, iOS, and the web. Listed payment types include EMV chip, contactless, magstripe, PIN debit, and EBT. Merchants can accept browser-based payments through Virtual Terminal without hardware, including orders taken online or by phone. Payment Links support fixed, multiple, or open-ended amounts and can be shared by email or text, embedded as a button, or shown as a QR code. Inventory tools cover product catalogs, categories, price variants, modifiers, bulk uploads, discounts, stock alerts, and sales tracking. Reports cover sales, customers, employees, inventory, deposits, and chargeback activity, with exports and scheduled email delivery. The company says next-day funding is the default and same-day funding is available at no charge, subject to cutoff times. Listed rates are 2.69% for swipe, dip, or tap transactions and 3.49% + $0.19 for keyed transactions. Services are limited to the 50 U.S. states and the District of Columbia.
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.