Payment methods

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

and thus increase your conversion rate.

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

Below you can find details on eligibility criteria and how to enable each payment method.

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

On this page:

Credit / debit cards

Payment method namePayment Method IconMerchant countries
VisaVisaAll
MastercardMastercardAll
American Express1American ExpressAll
MaestroMaestroAll
BancontactBancontactAll
JCB2JCBAll
Diners Club InternationalDinersGreece

All merchants are enabled by default to accept payments for all the above card schemes, with the below exceptions:

1With the exception of certain merchant categories
2With the exception of certain merchant categories

Digital wallets

Apple Pay, Google Pay, Samsung Pay

NamePayment Method IconMerchant countries
Apple Pay3Apple PayAll
Google Pay4Google PayAll
Samsung PaySamsung PayFrance, Germany, Italy, Sweden, United Kingdom

All merchants are enabled by default to accept payments for all the above digital wallets, with the below exceptions:

3With the exception of certain merchant categories
4With the exception of certain merchant categories

PayPal

Merchants can only enable PayPal on their own. For information on how to do this, see PayPal integration.

The PayPal payment method includes also the PayPal Pay Later option/feature (the Buy Now Pay Later product of PayPal), which is enabled by default when PayPal is activated successfully for your account.

Payment Method NamePayment Method IconMerchant Country
PayPal5VisaAustria, Belgium, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Luxembourg, Malta, Netherlands, Poland, Portugal, Spain, Sweden, United Kingdom
PayPal Pay LaterVisaFrance, Germany, Italy, Spain, United Kingdom

5With the exception of certain merchant categories .

Keep in mind that any customer payments via PayPal will be deposited to your PayPal account (and not your Viva Wallet account).

Note that PayPal is not available to marketplaces.

Note that PayPal is not available through Quick Pay or for payment orders with disableExactAmount parameter set to true.

Alternative payment methods

The following table below shows the country-specific alternative payment methods we support6

Payment Method Name Payment Method Icon Merchant Country Customer Country
BitPay BitPay Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, United Kingdom All
EPS EPS Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Austria
giropay giropay Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Germany
iDEAL iDeal Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Netherlands
MULTIBANCO MULTIBANCO Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Portugal
P24 P24 Poland Poland
PayU PayU Czech Republic, Poland Czech Republic, Poland
Sofort Sofort Austria, Belgium, Germany, Italy, Netherlands, Spain, United Kingdom Austria, Belgium, Germany, Italy, Netherlands, Spain, United Kingdom
WeChat Pay Wechat Pay Austria, Belgium, Germany, Italy, Netherlands, Spain, United Kingdom All

The above alternative payment methods are asynchronous in principle, meaning that it may take up to several days to confirm whether the payment has been successful, although in the typical case the payment is confirmed almost immediately. Until the payment is confirmed as successful or failed, the payment will be indicated as pending. You need to use the Transaction Payment Created webhook so that we inform you when the payment is confirmed as successful. Alternatively, use the Transaction Failed webhook to receive a failed payment notification.

If you wish to accept payments online by offering these alternative payment methods, contact your Viva Wallet sales representative. Alternatively, you can contact us directly via our live chat facility, by simply clicking on the live chat icon in the bottom right-hand corner of this page.

6With the exception of certain merchant categories .

Other payment methods

The following payment methods are available only to merchants registered in Greece and are enabled by default. These payment methods can be disabled by using the disableCash parameter during the creation of the payment order for Smart Checkout.

The above payment methods are asynchronous, meaning that it may take up to a few days to receive notification of the payment. You need to use the Transaction Payment Created webhook so that we inform you of the payment.

Refunds

All payment methods offer the option to perform a refund automatically except for the below:

• MULTIBANCO: you need to manually perform a refund by transferring the funds back to the IBAN account of the customer (you need to ask the customer to provide you with their IBAN account)
• BitPay: same as above
• Cash (Viva Spot): same as above
• e-banking (ΔΙΑΣ): same as above

Recurring payments

The following payment methods support recurring payments:

Pre-authorizations

The following payment methods support pre-authorizations:

• Credit/Debit Cards
• Apple Pay
• Google Pay
• Samsung Pay

Installments

The following payment methods support instalments:

• Credit/Debit Cards (Available only in Greece)