SwipeSimple vs Viva.com
SwipeSimple
swipesimple.comViva.com
viva.comSide by side
| Figure | SwipeSimple | Viva.com |
|---|---|---|
| Price from | $19.95/mo | £3.99/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 11 | 8 |
| Spec score · Mobile Payment Processing Software | 8.5 (#4) | 8.6 (#2) |
| In-person payments | Merchants can take payments with mobile readers, Tap to Pay on iPhone, SwipeSimple Terminal, and Register hardware. | Its Terminal app lets businesses accept contactless payments using supported Android and iOS devices. |
| Integrations | The App Marketplace includes QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews. | Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6. |
| License | SwipeSimple is proprietary commercial software; its terms grant access to object-code software and documentation rather than open-source rights. | The end-user agreement governs use of Viva.com applications and services under contractual license terms rather than an open-source license. |
| Plan limits | The Starter plan allows up to 3 users; Standard and Premium allow unlimited users, and some features vary by plan. | The pricing page lists an additional monthly charge of £1.70 per extra terminal ID or website and £0.85 per extra user. |
| Rating on Apple App Store | 4.8 out of 5 from 5.6K ratings. | 4.7 out of 5 from 2K ratings in the UK store |
| Rating on Capterra | 5.0 out of 5 from 5 reviews. | 3.0 out of 5 from 1 review for viva.com Smart Checkout |
| Rating on G2 | 3.8 out of 5 from 3 reviews. | 3.8 out of 5 from 2 reviews |
| Rating on GetApp | 4.7 out of 5 from 7 reviews. | 4.0 out of 5 from 7 reviews |
| Rating on Google Play | 4.7 out of 5 from 3.37K reviews. | 3.3 out of 5 from 17K reviews |
| Rating on Trustpilot | 2.1 out of 5 from 17 reviews. | 4 out of 5 from about 2,000 reviews |
| Security | SwipeSimple states that its systems are designed for PCI DSS compliance and enforce HTTPS, HSTS, and 256-bit encryption. | 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 | SwipeSimple is generally sold through merchant service providers, and merchants are directed to their provider for account support and billing or fee questions. | 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 | SwipeSimple is a payments and small-business management platform for accepting cards and running payment operations. | Viva.com provides business payment acceptance, accounts, card issuing and financing across European markets. |
| Who it serves | SwipeSimple describes its customers as small businesses accepting payments on the go, in retail or food-and-beverage settings, or from a computer for B2B and back-office billing. | Viva.com describes its services as business solutions and says it enables payment acceptance in 30 countries. |
Plans
SwipeSimple
- SwipeSimple Connect ZeroFree
- SwipeSimple Connect — card-present processing$2.61, paid once
- SwipeSimple Connect card-present processing$2.61, paid once
- SwipeSimple Connect — card-not-present processing$3.51, paid once
- SwipeSimple Connect card-not-present processing$3.51, paid once
- QuickBooks Online Sync$19.95 a month
- SwipeSimple Appointments$29.95 a month
- Bluetooth card reader$49, paid once
- Text Loyalty & Reviews Starter$59.99 a month
- Text Loyalty & Reviews Standard$95.95 a month
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
SwipeSimple
SwipeSimple provides payment acceptance tools for small businesses across Android, iOS, and web, with mobile, terminal, and computer-based processing. Its mobile app supports swiped, dipped, tapped, and keyed card payments, with an optional reader for physical cards; it can also accept payments offline when cell reception is poor. Businesses can manage customers, review purchase histories and sales trends, and export transaction reports compatible with tools such as QuickBooks and Excel. Invoices can be emailed or texted, shared as links, saved as drafts, and configured with automatic payment reminders. The App Marketplace lists QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews, while SwipeSimple says it has no public API or third-party integrations. Connect Zero is $0.00 per free for eligible businesses, with card-paying customers covering a 3.5% card fee. Card-present processing is $2.61; card-not-present processing is $3.51. SwipeSimple is commonly sold with a merchant account and processing agreement through a provider, which handles account support and billing questions.
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.