Viva.com
Viva.com Overview: Online Payment Gateway
Viva.com is the online payment gateway run by Viva Wallet. It claims to be the first Tech Bank in Europe for businesses. It brings together payments, banking, and other business services on a complete digital platform across more than 22 European markets. The gateway is called “Smart Checkout.” This smart, plugin-based or custom-code solution lets merchants accept payments in various currencies and methods. It offers instant settlement and has no acceptance fees when merchants use the Viva Debit Mastercard.
Core Features of Viva.com Gateway
Intelligent & Adaptive Checkout
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Smart Checkout auto-optimizes for each customer, remembering behavior and preferences, even across merchants and countries for smoother checkout and higher conversion rates.
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Typical conversion: ~87.6% across Europe; with saved cards, rebounding to ~97.2% completion rates.
Flexible Integration Options
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One-line-of-code integration for custom websites, or simply install the Smart Checkout plugin for WooCommerce, Shopify, PrestaShop, OpenCart, Magento, or Shopware 6.
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Plugins are self-updating: new payment methods and features are added automatically with no extra coding required.
Unlimited Supported Payment Methods
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Supports over 40 payment methods, including global card networks, leading digital wallets, and local payment schemes such as Apple Pay, Google Pay, PayPal, Klarna, BitPay, Bancontact, iDEAL, Trustly, WeChat Pay, MobilePay, Satispay, and MB WAY.
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Payment methods evolve automatically through Smart Checkout’s backend management.
Multicurrency Sales & Dynamic Currency Conversion
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Offer buyers an option to pay in their preferred currency; DCC ensures improved conversion rates and increased customer trust.
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Sellers settle to their Viva.com local IBAN account, automatic conversion handled by card schemes.
Real-Time Settlement & Zero Acceptance Fees
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Funds clear instantly, 365 days a year into your Viva Wallet business account.
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Accept 0% transaction fees when using the Viva Business Debit Card.
Integration & Onboarding Made Simple
Fast & Paperless Onboarding
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Sign-up process takes about 5 minutes, no paperwork, and requires answering a few quick questions to activate a business account.
Integration Paths
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Smart Checkout (custom/in-house code with one line added)
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Plugins for WooCommerce, Shopify, PrestaShop, Magento, OpenCart, and more
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Payment tools such as Quick Pay, Payment Notifications, Virtual Terminal, and Subscriptions are available for merchants without online shops (e.g. freelancers, charities, service providers)
Technical & Developer Highlights
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Smart Checkout: integration via a single line of code or plugin, weaves in auto-updating payment logic, branding, and payment-method sorting driven by customer–merchant interaction patterns
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Developer Portal: comprehensive documentation, code samples, authentication methods (Basic, OAuth 2.0), test environments, webhooks, and release notes
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Webhooks & APIs: full support for transactional events (e.g., payment created, failed, reversal), recurring and preauthorization flows, multi-merchant and marketplace use cases
Conclusion
Viva.com Smart Checkout is a cloud-native payment gateway that helps businesses in Europe accept payments easily. It has high conversion rates, simple integration through plugins or code, support for over 40 payment methods, instant settlement, no acceptance fees, strong security, and built-in business banking. It’s a strong option compared to traditional payment gateways, especially for merchants focused on growth, efficiency, and customer experience.
Viva.com: Frequently Asked Questions (FAQs)
What is Viva.com?
Viva.com is the online payment gateway run by Viva Wallet, offering a complete digital platform that combines payments, banking, and business services across more than 22 European markets. The gateway, called “Smart Checkout,” supports multiple currencies, various payment methods, and instant settlement.
Which payment methods does Viva.com support?
Viva.com Smart Checkout supports over 40 payment methods, including global card networks, Apple Pay, Google Pay, PayPal, Klarna, BitPay, Bancontact, iDEAL, Trustly, WeChat Pay, MobilePay, Satispay, and MB WAY. Supported payment methods evolve automatically through backend updates.
How can I integrate Viva.com into my website or store?
You can integrate Viva.com using a one-line-of-code method for custom websites or by installing plugins for platforms such as WooCommerce, Shopify, PrestaShop, Magento, OpenCart, or Shopware 6. The plugins are self-updating, so new features and payment methods are added automatically without extra coding.
What are Viva.com’s transaction fees?
Card Present transactions are charged at 1.69% per transaction, and Online Payments are charged at 2.19% + $0.12 per transaction. Other payment methods have varying fees (e.g., Klarna at 2.99% + $0.40). You can pay 0% acceptance fees when using the Viva Business Debit Card.
How fast is onboarding with Viva.com?
The onboarding process is fast and paperless, typically taking around 5 minutes. Merchants answer a few quick questions to activate a business account, with no lengthy paperwork required.
When are funds settled into my account?
Funds are settled instantly, 365 days a year, into your Viva Wallet business account.