What viva.com does

Viva.com operates a pan-European payments and banking platform under the Viva Wallet Group, with Vivabank serving as the group's licensed credit institution supervised by the Bank of Greece. The platform delivers an all-in-one suite organized around three pillars: Payments (in-person card acceptance, online payments, omnichannel, and a borderless marketplace solution), Banking (IBAN business accounts, card issuing, and financing), and Solutions (a 450+ technology partner ecosystem, fiscalisation, and a hardware storefront). Underlying infrastructure is cloud-native and PCI DSS Level 1 certified, with proprietary technology including "Tap on Any Device" for device-free payment flows, AI-based real-time anti-fraud, biometric authentication, tokenisation, and a Terminal Integration Hub exposing App-to-App, Cloud, and Local Terminal APIs. The platform is licensed across 28 EEA countries via Vivabank passporting and operates as a member of the European Payments Initiative, participating in the WERO instant account-to-account scheme across 29 markets.

The business model combines transaction-based acquiring fees, recurring banking and card-issuing revenue, hardware sales (Ciontek, PAX, Sunmi, Orderman), and partner-channel software/hardware solutions. Distribution is hybrid: direct enterprise field sales for accounts including Domino's, Starbucks, Holland & Barrett, Hertz, National Bank of Greece, and Eurobank; self-service online onboarding for SMBs; a partner portal for ISVs and hardware vendors; and an e-commerce hardware storefront. Geographic reach spans 29 European markets with local country support, UK regional headquarters in Milton Keynes, and Greek headquarters in Marousi. Regulatory and compliance posture is a defining feature: full PSD2 SCA compliance since 2019, GDPR compliance, and an EU Carbon Border Adjustment Mechanism (CBAM) central payment platform partnership with European Dynamics (2024) position the company as regulated European payments infrastructure rather than a pure-play acquirer.

Name

viva.com

Legal name

Viva Wallet Group / Vivabank

Website

https://viva.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Viva.com is a pan-European payments and banking platform operating across 28-29 markets as Vivabank, a Bank of Greece-supervised credit institution, offering acquiring, banking, card issuing, and marketplace solutions to enterprises, SMBs, and 450+ technology partners.

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

Commercial Banking (52211), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Merchant & Commercial Acquiring (POS/eCommerce acquiring for corporates) (FSABAIAH)

akta.pro secondary industries

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

Keywords

• Payment processing
• Business banking
• Merchant services
• Online checkout
• Financing solutions

Headquarters

HQ city

Athens

HQ country

Greece

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Payment Processing Services: Fees collected for processing card transactions through the omnichannel payments platform including in-person, online, and marketplace payments.
2. Banking Services: Revenue from bank accounts, card issuing, and flexible financing options provided to businesses.
3. Hardware Sales: Sale of payment terminals and accessories including Ciontek, PAX, Sunmi devices and related peripherals.
4. Software and Technology Solutions: End-to-end software and hardware solutions through a network of over 450 technology partners.

Distribution channels5 records

Marketing channels8 records

Core offering

viva.com provides online payment processing, business current accounts, POS terminals, online checkout, instant onboarding, and short-term business financing for European businesses. Built as an integrated platform combining a licensed credit institution, payment acquiring, and merchant software, it enables EU/UK merchants to accept, send, and manage payments via a single technology stack.

Product overview

Viva.com is a pan-European payments and banking platform operating as a credit institution licensed by the Bank of Greece, providing services across 28 European countries. The platform offers an integrated suite of products organized around three core pillars: Payments (in-person, online, omnichannel, and marketplace solutions), Banking (Viva.com Account with IBAN, card issuing, and financing), and Solutions (fiscalisation and 450+ technology partners). The product portfolio includes card terminals from partners like Ciontek, PAX, and Sunmi available through the Viva.com Shop, along with multiple API products (App-to-App Terminal API, Cloud Terminal API, Local Terminal API, PSD2 API) for developer integrations. The platform supports Tap to Pay on Phone for device-free payment acceptance and operates as a member of the European Payments Initiative (WERO) for instant account-to-account payments across 29 markets.

Differentiator

Problem solved

Functional benefit

Products and services

• viva.com Business Account A regulated current account for European businesses that holds settlement funds from payment acceptance and enables payouts, transfers, and merchant cash management; targeted at EU/UK merchants needing a banking relationship integrated with their acquiring.
• Online Payment Gateway and Online Checkout Online payment acceptance for ecommerce merchants, supporting card and account-to-account payments across Europe via viva.com's single integration; intended for online stores and platforms collecting payments from European consumers.
• POS Terminals and In-Store Acceptance Physical POS terminals and software to accept card payments in-store, integrated into the same unified processing and merchant fee structure as online acceptance; targeted at retail and hospitality merchants operating in Europe.
• Instant Merchant Onboarding Self-serve online onboarding of merchants onto viva.com's acquiring and banking products across 28 European countries; intended for new European merchants that need fast activation of payment acceptance.
• Business Financing Short-term financing products for merchants, with repayment flows designed around card processing receivables; targeted at European SMEs needing working capital or growth funding linked to their payment volumes.
• viva.com Partner Program A partnership program that enables third parties (ISVs, ecommerce platforms, agencies) to embed, integrate, or refer viva.com's payment acceptance and banking products; targeted at software vendors and partner agencies serving European merchants.

Quantifiable outcome

• European Payments Initiative membership expanding instant account-to-account payments across Europe

Named customers9 records

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability3 records

Feature9 records

Partnerships

Eight partnerships are on record, tiered flagship and core.

• European Payments Initiative (EPI)flagshipStrategic or Co-development PartnerViva.com became a member of the European Payments Initiative, expanding instant account-to-account payments across Europe. The move reinforces Viva.com's position as a pan-European critical banking infrastructure across 29 markets, enabling the company to participate in the development of the WERO payment scheme.
• European DynamicscoreStrategic or Co-development PartnerEuropean Dynamics and Viva.com are jointly powering the EU Carbon Border Adjustment Mechanism (CBAM) payment system. The two companies are responsible for the payment infrastructure and operational system behind one of the European Commission's most significant climate initiatives.
• MARIflagshipGTM or Marketing PartnerFollowing two consecutive years at Hyde Park Winter Wonderland, Viva.com extended its partnership with MARI across five of the UK's most prominent live events, reaching over 3 million visitors. This partnership enables Viva.com to power payments at major UK entertainment venues.
• OrdermancoreTechnology or IntegrationOrderman is a hardware partner providing handheld ordering and payment devices (Orderman 10, Orderman 9 Pro, Orderman Pulse 09) that integrate with Viva.com's payment infrastructure for restaurant and hospitality environments.
• CiontekcoreTechnology or IntegrationCiontek is a strategic hardware partner providing payment terminals including CS30PRO, CS50C, CM30C, and CM30P that come pre-installed with Viva.com Terminal app technology and are sold through Viva.com's store.
• SunmicoreTechnology or IntegrationSunmi is a hardware partner providing Android-based payment terminals (P2 SE, P2 Lite SE, P2 Smartpad, P3 MIX, P3 SCAN) that integrate with Viva.com's payment platform and are available in Viva.com's store.
• PAX TechnologycoreTechnology or IntegrationPAX is a hardware partner providing payment terminals (A35, A77, A80, A8900, IM304G) that are supported by Viva.com's platform and available through Viva.com's store and partner network.
• Salt EdgecoreTechnology or IntegrationSalt Edge provides the technical infrastructure for VivaBank's Open Banking API, enabling Third Party Providers (TPPs) to connect to VivaBank's dedicated API interface for aggregation and other services through both Sandbox and Production environments.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stripe: Global payments platform serving online and omnichannel merchants with developer-first APIs, card processing, and an expanding suite of issuing and banking-adjacent services. Directly competes with Viva.com for enterprise and marketplace merchants across Europe.
• Adyen: Unified global payments platform offering online, in-person and marketplace processing to enterprise merchants. Competes head-to-head with Viva.com for large European omnichannel accounts such as the ones Viva.com lists (Domino's, Hertz, Holland & Barrett).
• SumUp: European-headquartered SMB acquirer offering card readers, Tap-to-Pay on Phone and a merchant account. Closely comparable to Viva.com on SMB omnichannel payments, terminal hardware and Tap-to-Pay-led distribution.
• Mollie: European payments platform providing online and in-person payment processing with multi-method support and developer APIs. Targets the same European SMB and mid-market merchant segments as Viva.com.
• Checkout.com: Global payments processor with deep European roots focused on enterprise merchants, digital wallets and acquiring. Competes with Viva.com for European enterprise marketplace and omnichannel mandates.
• Block (Square): Payments-led SMB platform combining Square card-present processing, online checkout, banking (Square Banking) and ecosystem software. Highly comparable business model to Viva.com's integrated payments + banking stack.
• myPOS: European SMB-focused acquirer offering card terminals, Tap-to-Pay on Phone and a business account with IBAN. Closely comparable to Viva.com on bundled payments + banking for SMBs in the UK and continental Europe.

Broad incumbents

• Worldline: Largest European payment processor offering merchant acquiring, terminal hardware and digital services across the continent. Overlaps with Viva.com in European omnichannel acquiring and terminal solutions, but at much larger scale and breadth.
• Nexi: Leading Italian-headquartered European PayTech covering merchant acquiring, card issuing and digital banking. Comparable to Viva.com in cross-border European acquiring and issuing, especially in southern Europe.
• PayPal (Zettle): Global digital-payments incumbent operating the Zettle in-person POS business in Europe alongside online checkout. Comparable on in-person SMB acquiring and Tap-to-Pay on Phone initiatives.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/VivaWallet
• YouTubeyoutube.com/@vivadotcom
• Facebookfacebook.com/VivaWallet
• LinkedInlinkedin.com/company/vivawallet
• Instagraminstagram.com/vivacom

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about viva.com