Viva Wallet
E-commerce tools
E-commerce software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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€4.99 / £3.99 per month
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What is Viva Wallet
Viva Wallet is a payments platform that provides card acquiring and payment acceptance for online and in-store commerce. It targets merchants and e-commerce businesses that need to take card payments, offer local payment methods, and manage payouts and settlement across supported markets. The product includes payment gateway and checkout options, APIs for integration, and tools for issuing business payment cards and managing merchant accounts. It is positioned as a European-focused payment provider with multi-country coverage and bank-like services in some regions.
Omnichannel payment acceptance
Viva Wallet supports taking payments online and in physical locations through gateway/checkout options and POS-related capabilities. This helps merchants run a single payment provider across channels rather than stitching together separate tools. For e-commerce teams, it reduces operational overhead around reconciliation and settlement across channels.
Developer APIs and integrations
The platform provides APIs and integration options for embedding payments into custom storefronts and back-office systems. This is useful for businesses that need more control than a hosted checkout alone. It can fit into broader e-commerce stacks alongside storefront, customer messaging, and post-purchase tools.
Multi-market European coverage
Viva Wallet is designed for merchants operating across multiple European countries, with localized payment acceptance and settlement where available. This can simplify expansion compared with using separate local acquirers per country. It also supports multi-currency operations for businesses selling cross-border.
Geographic availability constraints
Coverage and feature availability vary by country, and some services are limited to specific markets. Businesses operating primarily outside Europe may find the offering less suitable or unavailable. Even within Europe, local payment method support and settlement options can differ by region.
Not a full e-commerce suite
Viva Wallet focuses on payments and merchant financial services rather than storefront building, merchandising, customer support chat, loyalty, or shipment tracking. Many e-commerce teams still need additional tools for marketing, customer engagement, and post-purchase operations. This can increase vendor management compared with all-in-one commerce platforms.
Integration and compliance effort
Using APIs or advanced payment flows typically requires developer resources and ongoing maintenance. Merchants may also need to manage payment compliance, fraud controls, and chargeback processes within their operational workflows. For smaller teams, a simpler plug-and-play payment option may require less setup.
Plan & Pricing
E-commerce (EU pricing)
| Plan | Price | Key features & notes |
|---|---|---|
| E-commerce — Zero | €0.00 per month (Free) | Add-ons: €2 per online store/month (Smart Checkout), €1 per user/month; Minimum monthly invoice of €4.99 applies; includes Payments account, unlimited digital debit cards, basic features. |
| E-commerce — Default | €4.99 per month | Up to 1 online store; up to 2 users; 4 free outgoing SEPA transfers; extras: €2 per extra online store/month, €1 per extra user/month. |
| E-commerce — Standard | €12.99 per month | Up to 3 online stores; up to 3 users; 15 free outgoing transfers; extras: €2 per extra online store/month, €1 per extra user/month. |
| E-commerce — Premium | €19.99 per month | Up to 5 online stores; up to 5 users; 30 free outgoing transfers; extras: €2 per extra online store/month, €1 per extra user/month. |
E-commerce (UK pricing)
| Plan | Price | Key features & notes |
|---|---|---|
| E-commerce — Zero | £0.00 per month (Free) | Add-ons: £1.70 per online store/month (Smart Checkout), £0.85 per user/month; Minimum monthly invoice of £3.99 applies; includes Payments account, unlimited digital debit cards, basic features. |
| E-commerce — Default | £3.99 per month | Up to 1 online store; up to 2 users; 4 free outgoing transfers; extras: £1.70 per extra online store/month, £0.85 per extra user/month. |
| E-commerce — Standard | £10.99 per month | Up to 3 online stores; up to 3 users; 15 free outgoing transfers; extras: £1.70 per extra online store/month, £0.85 per extra user/month. |
| E-commerce — Premium | £15.99 per month | Up to 5 online stores; up to 5 users; 30 free outgoing transfers; extras: £1.70 per extra online store/month, £0.85 per extra user/month. |
Notes:
- Transaction/acquiring fees are charged using an Interchange++ model; specific per-transaction rates vary by card scheme, card type, merchant country and monthly turnover (no single flat rate published on the public help pages).
- The vendor’s documentation states interchange fees can start at 0.2% for European consumer debit cards and that detailed clearing fees are available in the service price list or within merchant account reports.
Seller details
Viva Wallet Holdings S.A.
Athens, Greece
2010
Private
https://www.vivawallet.com/
https://x.com/vivawallet
https://www.linkedin.com/company/viva-wallet/
