Shift4 Payments vs Viva.com
Shift4 Payments
shift4.comViva.com
viva.comSide by side
| Figure | Shift4 Payments | Viva.com |
|---|---|---|
| Price from | — | £3.99/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 0 | 8 |
| Spec score · Restaurant Payment Processing Software | 7.1 (#20) | 8.6 (#5) |
| Spec score · Payment Processing Software | 7.0 (#58) | 8.6 (#14) |
| In-person payments | Commerce Engine is a card-present platform for POS and PMS integrations and runs on Android payment devices. | Its Terminal app lets businesses accept contactless payments using supported Android and iOS devices. |
| Integrations | Shift4’s 2026 annual report says its Marketplace connects merchants with third-party applications for functions including ordering, payroll, timekeeping, loyalty, and inventory management. | Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6. |
| Online checkout | Merchants can use hosted checkout or embed Shift4-hosted payment fields in their own site. | Smart Checkout supports more than 40 payment methods and offers saved cards, multicurrency payments, and decline recovery. |
| Payment methods | The API supports alternative payment methods including PayPal, WeChat Pay, and Alipay. | The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets. |
| Security | Shift4-hosted checkout and payment components capture card data without bringing card numbers into the merchant’s systems; the documentation lists SAQ A as the typical PCI questionnaire for both. | 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 | Shift4’s API documentation directs customers to its API support team 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 | Shift4 provides software and payment processing solutions for businesses, including omnichannel payment processing. | Viva.com provides business payment acceptance, accounts, card issuing and financing across European markets. |
| Who it serves | Shift4 describes its merchants as ranging from small owner-operated businesses to multinational enterprises. | 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
Shift4 Payments
Shift4 Payments has no write-up on Specifiction yet; its figures are above.
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.