Viva.com vs Xendit
Viva.com
viva.comXendit
xendit.coSide by side
| Figure | Viva.com | Xendit |
|---|---|---|
| Price from | £3.99/mo | $7,500/mo |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 8 | 2 |
| Spec score · Payment Gateways | 8.5 (#12) | 7.2 (#41) |
| Spec score · Payment Processing Software | 8.6 (#14) | 7.2 (#53) |
| Integrations | Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6. | The maker lists integrations including WooCommerce, Shopify, Wix, Magento, Ecwid, and Odoo; available integrations vary by country. |
| Payment methods | The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets. | It says businesses can accept payments through more than 100 payment methods across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong. |
| Support | 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. | Xendit advertises 24/7 support from human agents. |
| What it does | Viva.com provides business payment acceptance, accounts, card issuing and financing across European markets. | Xendit provides payment infrastructure for businesses, including payment acceptance, payouts, platform payments, and financing. |
| Who it serves | Viva.com describes its services as business solutions and says it enables payment acceptance in 30 countries. | Xendit says it is built for enterprises, startups and SMEs, online sellers, platforms and marketplaces, and businesses with recurring billing. |
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
Xendit
- XenPlatform monthly platform fee$7,500 a month
- Pay-as-you-go paymentsPrice 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.
Xendit
Xendit provides payment infrastructure for businesses, including payment acceptance, payouts, platform payments, and financing. It says businesses can accept more than 100 payment methods across Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore, and Hong Kong. Options include cards, virtual accounts, bank transfers, e-wallets, QR codes, direct debit, retail outlets, and online installments. Xendit supports payouts to more than 450 banks and e-wallets, including on weekends and public holidays, and lists payout coverage in 14 countries. Subscription payments automate recurring charges through credit cards, e-wallets, and direct debit. Listed integrations include WooCommerce, Shopify, Wix, Magento, Ecwid, and Odoo, with availability varying by country. Account controls include two-factor authentication, granular user permissions, and secure API keys. Verification tools cover bank-name and e-wallet validation, ID-card verification, OCR, AML checks, and liveness detection with facial matching. Xendit advertises 24/7 human support. Transaction rates vary by payment type and volume, and some products or notifications may carry separate charges. Merchants must complete onboarding and account activation before processing payments.