PayTrace vs Viva.com
PayTrace
paytrace.netViva.com
viva.comSide by side
| Figure | PayTrace | 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 | 0 | 8 |
| Spec score · Payment Gateways | 6.7 (#48) | 8.5 (#12) |
| Integrations | Trace AR lists connections with Acumatica, Microsoft Dynamics 365 Business Central, NetSuite, and QuickBooks Online. | Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6. |
| Payment methods | PayTrace supports card and ACH payments, and its B2B page also describes accepting GSA SmartPay purchase cards for official federal government purchases. | The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets. |
| Security | PayTrace says its platform is PCI DSS compliant, encrypts sensitive information, and does not store payment data locally on the merchant’s network, computers, or premises. | 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 | PayTrace lists phone support at 1-888-806-6545 from 5 am to 7 pm Pacific and support by email at [email protected]. | 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 | PayTrace provides B2B payment processing, merchant services, a payment gateway, and accounts receivable automation. | Viva.com provides business payment acceptance, accounts, card issuing and financing across European markets. |
| Who it serves | PayTrace presents its solutions for B2B merchants and also describes payment workflows for business and government customers. | Viva.com describes its services as business solutions and says it enables payment acceptance in 30 countries. |
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
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.