What Vivabank does

Viva.com, operating under the Vivabank brand in certain contexts, is a Greek-headquartered fintech institution that self-positions as the "First Tech Bank in Europe." The company operates an omnichannel payments and banking platform serving businesses across 29 European countries, with operations coordinated from Maroúli, Greece and a workforce of 101–250 employees. Its core proposition combines three integrated layers: (1) payment acceptance spanning in-store, online, marketplace, and unattended channels, including no-device options such as Tap to Pay on iPhone and QR-based Smart Checkout; (2) banking services including business accounts and card issuance; and (3) working-capital financing products such as booking factoring for hotels (integrated directly with property management systems) and advance financing.

The underlying technology is a proprietary omnichannel platform unifying back-end processing across physical, digital, and unattended payment channels, complemented by a developer portal, PSD2-compliant open-banking APIs, and a partner portal. A certified ecosystem of 450+ independent software vendors (ISVs) and independent hardware vendors (IHVs) extends distribution and vertical-specific functionality. Revenue mechanics are anchored in transaction fees on payment processing, fees on bundled banking and card services, and interest-like income from financing products. Pricing is quote-based rather than publicly disclosed.

Go-to-market combines a self-serve product-led onboarding flow (allowing businesses to open accounts by answering a few questions) with a direct enterprise field-sales motion targeting large merchants, plus channel-driven acquisition via the ISV/IHV partner directories. Named enterprise customers include National Bank of Greece (ELN), Alpha Bank, Holland & Barrett, Intersport, Starbucks, Domino's, Kotsovolos, Cosmos Sport, Hertz, and Petit Bateau. The platform supports regulatory compliance across multiple frameworks (AFC, Wolfsberg CBDDQ, CRS, FATCA, Modern Slavery Act transparency).

Name

Vivabank

Legal name

Viva.com

Website

https://viva.bank

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Viva.com (Vivabank) is a Greek-headquartered fintech that operates an omnichannel payments platform, business banking accounts, and working-capital financing products for merchants and enterprises across 29 European countries, distributed via direct sales and a 450+ partner ecosystem.

Ownership category

akta.pro rank

Product category

Merchant Banking & Payment Processing

NAICS

Commercial Banking (52211)

SIC

Finance Services (6199)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

akta.pro secondary industries

Open Banking, Account Aggregation & Payment Initiation APIs (BPAMAFAJ), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

Keywords

• Payment processing platform
• Merchant banking services
• Omnichannel payment solutions
• Business banking accounts
• Card issuance services

Headquarters

HQ city

Maroúli

HQ country

Greece

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Processing / Transaction Fees: Revenue generated from processing card and digital payments across all channels (in-person, online, marketplace). The platform charges a take rate on each transaction settled through the Viva.com infrastructure.
2. Banking Services (Cards & Accounts): Fees associated with business bank account services and card issuance for merchants, providing a bundled banking proposition alongside payment acceptance.
3. Financing Products (Advance & Factoring): Revenue from financing solutions such as booking factoring and advance financing, where merchants receive early access to receivables in exchange for a fee, generating interest-like income.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Viva.com operates as the 'First Tech Bank in Europe,' providing an integrated platform that combines omnichannel payment processing (in-store, online, marketplace, and unattended payments), business banking services (business accounts and card issuance), and financing products (booking factoring for hotels and advance financing) for merchants across 29 European countries. The platform is complemented by a 450+ partner ecosystem of software and hardware vendors.

Product overview

Viva.com operates as a unified payments, banking, and business solutions platform positioned as the 'First Tech Bank in Europe.' The platform combines an omnichannel payments platform (covering in-store, online, and marketplace payments with Tap on Any Device and no-device payment capabilities) with full banking services including business accounts, card issuance, and flexible financing products such as Booking Factoring for hotels and Advance Financing. The ecosystem includes 450+ software and hardware partners connected through a Partner Portal and Terminal Integration Hub, with PSD2 API access for open banking integrations. Industry-specific solutions span retail, restaurants, hotels, mobility, supermarkets, ticketing, healthcare, and unattended payments.

Differentiator

Problem solved

Functional benefit

Brands

• Προεξόφληση Κρατήσεων (Booking Factoring): Booking advance payment service for hotels that connects directly with property management systems (PMS) to automate the factoring process.
• Smart Checkout
• Viva.com Terminal app

Products and services

• Payments Platform Omnichannel payment processing platform supporting Tap on Any Device, no-device payments, and seamless marketplace solutions without borders for businesses across 29 European countries.
• In-Store Payments Payment solutions for physical retail locations, enabling businesses to accept various payment methods in-store across retail, hospitality, and other verticals.
• Online Payments Online payment processing capabilities for e-commerce and digital transactions, supporting merchants selling through digital channels.
• Omnichannel Commerce Unified commerce solution bridging online and in-store payment experiences for merchants operating across multiple channels.
• Marketplaces Payments Payment solutions for marketplace operators enabling borderless transactions, multi-vendor settlement, and cross-border payment collection.
• Viva.com Business Account Business bank account with associated banking services for merchants, providing a bundled banking proposition alongside payment acceptance.
• Card Issuance Card issuance services for businesses, enabling merchant cards for operational and corporate use.
• Booking Factoring (Προεξόφληση Κρατήσεων) Factoring service for hotels that connects directly to PMS and automates advance payment on bookings, ensuring liquidity for tourism businesses.
• Advance Financing Flexible financing solutions providing businesses with early access to receivables in exchange for a fee.
• Smart Checkout QR code-based checkout solution that replaces traditional terminals, used for EV charging payments and other unattended payment scenarios, eliminating the need for payment hardware.
• Tap to Pay on iPhone Contactless payment acceptance directly on iPhone using the Viva.com Terminal app, requiring no additional hardware beyond an iPhone.
• Tap to Pay on Phone Contactless payment acceptance on mobile devices (Android/Phone), enabling merchants to accept tap payments without dedicated hardware.
• PSD2 Open Banking API Open banking API enabling third-party providers to access account information and payment initiation services under PSD2 regulation.
• Unattended Payment Solutions Payment solutions for self-service environments including EV charging stations, parking, and vending machines, enabling unmanned payment acceptance.

Named customers10 records

Segments8 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• ISV Partner Directory (Software Vendors)coreTechnology or IntegrationA directory of independent software vendors (ISVs) integrated with the Viva.com platform, providing specialized vertical solutions (e.g., hospitality PMS, retail POS, EV charging) that complement the core payment and banking services. These partners embed or resell Viva.com's payment infrastructure through their own software products.
• IHV Partner Directory (Hardware Vendors)coreTechnology or IntegrationA directory of independent hardware vendors (IHVs) providing POS terminals, card readers, and other payment hardware certified to work with the Viva.com platform, ensuring merchants have access to a wide range of compatible devices.
• Partner Portal (accounts.vivapayments.com)coreTechnology or IntegrationA dedicated portal for channel partners, ISVs, and IHVs to manage API integrations, merchant accounts, affiliate relationships, and sales administration, built on OAuth 2.0 / OpenID Connect protocols for secure partner access.

Scale indicators2 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• Revolut: European digital bank with growing merchant acquiring and business banking products. Comparable to Viva.com on the convergence of payments and banking for European businesses, though primarily consumer-rooted and at a different stage of merchant maturity.

Broad incumbents

• Worldline: Large European payment processor with broad merchant services, acquiring, and omnichannel capabilities. Comparable to Viva.com on merchant payment acceptance but as a much larger incumbent with a wider portfolio and deeper enterprise relationships.
• Nexi: Major European payments and digital banking infrastructure provider. Overlaps with Viva.com on merchant acquiring and business banking services across multiple European countries, but at far greater scale and with a broader product set.
• PayPal (Zettle): Global payments platform with Zettle-branded in-person SMB acquiring in Europe. Comparable to Viva.com on SMB omnichannel acceptance, with broader consumer wallet reach and additional distribution scale.

Direct peers

• Adyen: European-headquartered omnichannel payments platform serving enterprise merchants across in-store, online, and marketplace channels. Overlaps with Viva.com on unified commerce and large enterprise clients such as Starbucks, but with a stronger global footprint and higher enterprise tilt.
• Stripe: Global online and omnichannel payment processor that has expanded into business banking, issuing, and financing. Directly comparable to Viva.com on payment acceptance plus embedded financial services for businesses, though at significantly larger global scale.
• Mollie: European SMB-focused payments platform offering multi-method checkout, accounts, and Mollie Capital financing. Directly comparable to Viva.com in its pan-European SMB positioning and bundled financial services for online businesses.
• SumUp: European SMB payment acceptance and business account provider. Highly comparable to Viva.com on SMB-facing card acceptance, mobile POS (including Tap to Pay on iPhone), and bundled banking services for small merchants across European markets.
• Block (Square): SMB payments and banking platform combining Square POS, online payments, card issuing, and lending. Closely comparable to Viva.com on the integrated payments-plus-banking value proposition for small and mid-sized merchants.

Others

• PPRO: Payment orchestration and infrastructure provider that sits underneath many European PSPs and marketplaces. Comparable to Viva.com as adjacent infrastructure for European payment acceptance and cross-border processing, but serves platforms rather than end merchants directly.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/Vivacomofficial
• YouTubeyoutube.com/@vivadotcom
• Facebookfacebook.com/profile.php?id=100063633384536
• LinkedInlinkedin.com/company/vivabank
• Instagraminstagram.com/vivacom

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Vivabank