Payment methods

On this page:

Overview

Viva Wallet allows merchants to accept payments online, via our plugins, Smart Checkout, and payment tools, and offer multiple payment methods to their customers.

In order to be able to offer these payment methods to your customers, the below conditions need to be met:

The below payment methods are all available for our Smart Checkout solution. Our POS Apps & Card Terminal Devices support Smart Checkout whilst also allowing for some additional payment options. Please see the Payment methods for POS section for more details

For information about trying out the below in our demo environment, please see our Test cards and environments page

Available payment methods

Cards

Payment Method Merchant Countries How to enable Asynchronous [?] Refunds [?] Recurring payments [?] Pre-authorizations [?] Card installments [?] (Greece only)
VisaVisa All By default [1] No Yes Yes Yes Yes
MastercardMastercard All By default [1] No Yes Yes Yes Yes
American ExpressAmerican Express All By default [1] (excluded merchant categories) No Yes Yes Yes Yes
MaestroMaestro All By default [1] No Yes Yes Yes No
BancontactBancontact Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain By default [1] No Yes Yes Yes No
JCBJCB All By default [1] (excluded merchant categories) No Yes Yes Yes No
Diners ClubDiners Club International All except Sweden By default [1] No Yes Yes Yes No
DiscoverDiscover All except Sweden By default [1] No Yes Yes Yes No

[1] - This payment method is enabled by default - you automatically offer this payment method to your customers
[2] - This payment method is enabled by the merchant - please see the individual payment method page for details on how to offer this payment method to your customers
[3] - This payment method is enabled by Viva Wallet - please contact your sales representative or use our Live Chat if you would like to offer this payment method to your customers

Digital wallets

Payment Method Merchant Countries How to enable Asynchronous [?] Refunds [?] Recurring payments [?] Pre-authorizations [?]
Apple PayApple Pay™
(guide)
Apple Pay supported countries By default [1] (excluded merchant categories) No Yes Yes Yes
Google PayGoogle Pay™
(guide)
Google Pay supported countries By default [1] (excluded merchant categories) No Yes Yes Yes
Samsung PaySamsung Pay™
(guide)
France, Germany, Italy, Sweden, United Kingdom By default [1] No Yes Yes Yes
PayPalPayPal™
(guide)
Austria, Belgium, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Luxembourg, Malta, Netherlands, Poland, Portugal, Spain, Sweden, United Kingdom By merchant [2] – see our enablement guide and the excluded merchant categories No Yes No No
PayPal Pay LaterPayPal™ Pay Later
(guide)
France, Germany, Italy, Spain, United Kingdom Included by default with PayPal [2] No Yes No No
Viva WalletViva Wallet
(guide)
Greece, Cyprus, Malta By default [1]

(to disable, see Note box below table)
No Yes No No

[1] - This payment method is enabled by default - you automatically offer this payment method to your customers
[2] - This payment method is enabled by the merchant - please see the individual payment method page for details on how to offer this payment method to your customers
[3] - This payment method is enabled by Viva Wallet - please contact your sales representative or use our Live Chat if you would like to offer this payment method to your customers

If desired, you can disable the Viva Wallet payment method by setting the disableWallet parameter to true when creating a payment order

Local payment methods

The following table shows the country-specific ‘alternative’ payment methods we support. 

‘Customer Countries’ refers to the country of the customers who can pay using this payment method. For example, a French merchant can be paid via iDEAL by a customer based in the Netherlands.

Merchants do not need to have an account with any of the payment providers below

Payment Method Merchant Countries Customer Countries How to enable Asynchronous [?] Refunds [?] Recurring payments [?] Pre-authorizations [?]
Bancontact QRBancontact QR
(guide)
*coming soon*
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Belgium By default [1] No No No No
BitPayBitPay
(guide)
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, United Kingdom All By Viva Wallet [3] (excluded merchant categories) Yes No No No
BLIKBLIK
(guide)
Poland Poland By Viva Wallet [3] (excluded merchant categories) Yes Yes No No
EPSEPS
(guide)
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Austria By Viva Wallet [3] (excluded merchant categories) Yes Yes No No
giropaygiropay
(guide)
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Germany By Viva Wallet [3] (excluded merchant categories) Yes Yes No No
iDEALiDEAL
(guide)
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Netherlands By Viva Wallet [3] (excluded merchant categories) Yes Yes No No
IRISIRIS
(guide)
Greece Greece By default [1] Yes Yes No No
KlarnaKlarna
(guide)
*coming soon*
Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Netherlands, Poland, Portugal, Spain, Sweden and United Kingdom Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Netherlands, Poland, Portugal, Spain, Sweden and United Kingdom By merchant [2] – see our enablement guide and the excluded merchant categories No Yes No No
MULTIBANCOMULTIBANCO
(guide)
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Portugal By Viva Wallet [3] (excluded merchant categories) Yes No No No
P24P24
(guide)
Poland Poland By Viva Wallet [3] (excluded merchant categories) Yes Yes No No
PayconiqPayconiq
(guide)
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Belgium, Luxembourg By default [1] (excluded merchant categories) Yes Yes No No
PayUPayU
(guide)
Czech Republic, Poland Czech Republic, Poland By Viva Wallet [3] (excluded merchant categories) Yes No Yes No
SofortSofort
(guide)
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, United Kingdom Austria, Belgium, Germany, Italy, Netherlands, Spain, United Kingdom By Viva Wallet [3] (excluded merchant categories) Yes No Yes No
TrustlyTrustly
(guide)
Austria, Belgium, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Poland, Portugal, Spain, Sweden, United Kingdom Austria, Czech Republic, Denmark, Finland, Germany, Netherlands, Poland, Spain, Sweden, United Kingdom By Viva Wallet [3] (excluded merchant categories) Yes Yes No No
WeChat PayWeChat Pay
(guide)
France, Germany, Hungary, Ireland, Italy, Luxembourg, Netherlands, United Kingdom All By Viva Wallet [3] (excluded merchant categories) Yes Yes No No

[1] - This payment method is enabled by default - you automatically offer this payment method to your customers
[2] - This payment method is enabled by the merchant - please see the individual payment method page for details on how to offer this payment method to your customers
[3] - This payment method is enabled by Viva Wallet - please contact your sales representative or use our Live Chat if you would like to offer this payment method to your customers

Direct Debit & other

The following baking-related payment methods are also available:

Please see the below table for further information:

Payment Method Merchant Countries How to enable Asynchronous [?] Refunds [?] Recurring payments [?] Pre-authorizations [?]
SEPA Direct DebitSEPA Direct Debit
(guide)
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal & Spain By Viva Wallet [3] Yes Yes No No
Online BankingOnline Banking
(guide)
Austria, Belgium, France, Germany, Luxembourg, Netherlands, Portugal & Spain By Viva Wallet [3] (excluded merchant categories) Yes Yes No No
Cash (Viva Spot)Cash (Viva Spot)
(guide)
Greece, Malta By default [1] Yes No No No
e-banking (ΔΙΑΣ/DIAS)e-banking (ΔΙΑΣ/DIAS)
(guide)
Greece, Malta By default [1] Yes No No No

[1] - This payment method is enabled by default - you automatically offer this payment method to your customers
[2] - This payment method is enabled by the merchant - please see the individual payment method page for details on how to offer this payment method to your customers
[3] - This payment method is enabled by Viva Wallet - please contact your sales representative or use our Live Chat if you would like to offer this payment method to your customers

Country availability

Find below the payment methods available to a merchant depending on the country of registration of their Viva Wallet account.

,
Merchant Country Available payment methods
Austria For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, EPS, Online Banking, SEPA Direct Debit, Klarna, Sofort, Trustly & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO & giropay
Belgium For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Bancontact QR, Payconiq, Online Banking, SEPA Direct Debit, Klarna, Sofort & BitPay

Especially for your international customers, you can additionally offer: iDEAL, MULTIBANCO, EPS, giropay & Trustly
Bulgaria For all your customers, you can offer: Cards, Apple Pay & Google Pay
Croatia For all your customers, you can offer: Cards, Apple Pay & Google Pay
Cyprus For all your customers, you can offer: Cards, Apple Pay, PayPal, SEPA Direct Debit, Viva Wallet & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, EPS, giropay, Sofort & Trustly
Czech Republic For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, PayU & Trustly
Denmark For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Klarna & Trustly
Finland For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, SEPA Direct Debit, Klarna, Trustly & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, EPS, giropay & Sofort
France For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, Online Banking, SEPA Direct Debit, Klarna, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, EPS, giropay, Sofort & Trustly
Germany For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, giropay, Online Banking, SEPA Direct Debit, Klarna, Sofort, Trustly, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO & EPS
Greece For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, IRIS, SEPA Direct Debit, Viva Wallet, BitPay, e-banking (ΔΙΑΣ/DIAS) & Cash (Viva Spot)

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, EPS, giropay, Sofort & Trustly
Hungary For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal & WeChat Pay
Ireland For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, SEPA Direct Debit, Klarna, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, EPS, giropay, Sofort & Trustly
Italy For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, SEPA Direct Debit, Klarna, Sofort, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, EPS, giropay & Trustly
Luxembourg For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Payconiq, Online Banking, SEPA Direct Debit, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, iDEAL, MULTIBANCO, EPS, giropay, Sofort & Trustly
Malta For all your customers, you can offer: Cards, Apple Pay, PayPal, SEPA Direct Debit, Viva Wallet & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, EPS, giropay, Sofort & Trustly
Netherlands For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, iDEAL, Online Banking, SEPA Direct Debit, Klarna, Sofort, Trustly, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, MULTIBANCO, EPS & giropay
Poland For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, BLIK, Klarna, P24, PayU & Trustly
Portugal For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, MULTIBANCO, Online Banking, SEPA Direct Debit, Klarna, Trustly & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, EPS, giropay & Sofort
Romania For all your customers, you can offer: Cards, Apple Pay & Google Pay
Spain For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, PayPal Pay Later, Online Banking, SEPA Direct Debit, Klarna, Sofort, Trustly & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, EPS & giropay
Sweden For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, Klarna & Trustly
United Kingdom For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, Klarna, Sofort, Trustly, WeChat Pay & BitPay

Functionality

Asynchronous payments

Asynchronous payment methods are those in which payments are not confirmed immediately (synchronously). In essence, these rely on a delayed payment notification (via webhooks) before the payment can be confirmed as complete.

It may take up to several days for this confirmation to take place, although in the typical case the payment is confirmed almost immediately. Until the payment is confirmed, it will remain in the status of ‘pending’.

In order to receive a notification when a payment has been confirmed, you can use the Transaction Payment Created and Transaction Failed webhooks for successful and failed payments, respectively.

Please note that you do not need to set up webhooks for the WooCommerce Standard Checkout plugin or the Shopify Smart Checkout plugin, as they are automatically created by the plugins themselves.

The following payment methods are asynchronous:

Cross-border payments

You can accept payments from international customers as follows:

Refunds

All payment methods offer the option to perform a refund via banking app or API, apart from the following exceptions. In these cases, you will need to manually transfer the funds back to the customer’s account via their IBAN:

Recurring payments

Please see our tutorial on handling recurring payments.

When creating a Smart Checkout payment order with the allowRecurring parameter set to true, only payment methods which support recurring payments will be displayed to your customers

The following payment methods support this functionality:

Pre-authorizations

Please see our tutorial on handling pre-authorizations.

When creating a Smart Checkout payment order with the preauth parameter set to true, only payment methods which support pre-authorizations will be displayed to your customers

The following payment methods support this functionality:

Card installments

Please see our tutorial on handling card installments. This functionality is only available in Greece and only refers to Credit cards.

Some payment methods - such as Klarna - offer their own installment options, separate from the ‘card installments’ outlined above

Payment methods for POS

The above payment methods are all available for our Smart Checkout solution. Our POS Apps & Card Terminal Devices support Smart Checkout whilst also allowing for some additional payment options. You can find a full list of POS-supported payment options below, separated into Smart Checkout and Native POS payment methods.

Smart Checkout payment methods:

Our POS Apps & Devices allow the merchant to generate a QR code for our Smart Checkout solution. This QR code can be presented to the customer to scan with their mobile device. Once scanned, the customer will be taken to a Smart Checkout payment page, where they can choose their preferred payment method.

Payment Option Customer Interaction Merchant Countries
Smart Checkout QR code All countries
(but individual payment methods depend on Country availability)

As this uses our Smart Checkout solution, functionality is the same as for any other desktop or mobile Smart Checkout page. As such, a wide range of payment methods can be offered, including Cards, Digital wallets, Local payment methods & Direct Debit & other.


Visa
Mastercard
American Express
Maestro
Bancontact
JCB
Discover
Diners Club
Apple Pay
Google Pay
Samsung Pay
PayPal
PayPal Pay Later
Viva Wallet
BitPay
BLIK
EPS
giropay
iDEAL
IRIS
Klarna
MULTIBANCO
P24
Payconiq
PayU
Sofort
Trustly
WeChat Pay
SEPA Direct Debit
Online Banking
Cash (Viva Spot)

Native POS payment methods:

As well as Smart Checkout, our POS Apps & Devices natively support several other payment methods, namely Card present, Digital wallets (contactless), Alipay & Payconiq.

The first two of these allow the customer to use a credit/debit card or a digital wallet on their device (Apple Pay, Google Pay or Samsung Pay) to pay via contactless payment. Additionally, credit/debit cards can be used via Chip & PIN (for devices with a physical card slot, such as terminals and our mini card reader).

The latter two options - Alipay & Payconiq - both function in essentially the same way as our Smart Checkout solution on POS. That is, the merchant can generate an Alipay or Payconiq QR code for the customer to scan with their mobile device. The customer can then complete the payment on their device.

Visa
Mastercard
American Express
Maestro
Bancontact
JCB
Discover
Diners Club
Apple Pay
Google Pay
Samsung Pay
Alipay
Payconiq

Get Support

If you would like to integrate with Viva Wallet, or if you have any queries about our products and solutions, please see our Get Support page to see how we can help!