PayFacto vs Viva.com
PayFacto
payfacto.comViva.com
viva.comSide by side
| Figure | PayFacto | Viva.com |
|---|---|---|
| Price from | — | £3.99/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 8 |
| Spec score · Restaurant Payment Processing Software | 7.3 (#14) | 8.6 (#5) |
| In-person payments | PayFacto offers countertop, mobile, and unattended payment terminals, including PAX models. | Its Terminal app lets businesses accept contactless payments using supported Android and iOS devices. |
| Integrations | PayFacto lists integrations including COBA, Freebees, Hopem, NMI, Hotello, Paymentree, and PrestaShop. | Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6. |
| Payment methods | Its integrated gateway page lists Interac, Visa, Mastercard, Amex, and Discover transactions. | The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets. |
| Security | PayFacto describes encryption and fraud prevention tools for e-commerce payments and offers 3D Secure for online transactions. | 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 | PayFacto provides general information, payment FAQs, terminal support, and POS support through its support site. | 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 | PayFacto provides payment processing and payment solutions for merchants, ISVs, ISOs, agents, and payment facilitators. | Viva.com provides business payment acceptance, accounts, card issuing and financing across European markets. |
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
PayFacto
PayFacto provides payment processing and payment solutions for merchants, ISVs, ISOs, agents and payment facilitators. Its offerings cover card-present, online, mobile and tableside payments, as well as restaurant POS products Maitre’D and Veloce for managing restaurant operations. For in-person transactions, it offers countertop, mobile and unattended terminals, including PAX models. Online options include a hosted payment page and an integrated gateway for sales, pre-authorizations, refunds, voids and recurring billing. The gateway lists Interac, Visa, Mastercard, Amex and Discover transactions. PayFacto describes encryption and fraud prevention for e-commerce payments and offers 3D Secure for online transactions. Its hosted payment page keeps card information on PayFacto’s servers and is described as reducing PCI compliance requirements. Open APIs and connectors support integration with existing business systems and software. The company lists integrations including COBA, Freebees, Hopem, NMI, Hotello, Paymentree and PrestaShop. PayFacto is headquartered in Montreal, Canada. Pricing is customized and available by contacting sales for a quote.
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.