Payment methods

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:

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
DiscoverDiscoverAll
Diners Club InternationalDinersAll

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™, Viva Wallet, Google Pay™ & Samsung Pay™

Payment Method NamePayment Method IconMerchant CountriesMore Information
Apple Pay™ 3Apple PayAll Apple Pay™ Integration Guide
Google Pay™ 4Google PayAll Google Pay™ Integration Guide
Samsung Pay™ Samsung PayFrance, Germany, Italy, Sweden, United KingdomSamsung Pay™ Integration Guide
Viva WalletViva WalletGreece, Cyprus, MaltaViva Wallet Integration Guide

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

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

You can disable the Viva Wallet payment method by setting the disableWallet parameter to true, if you do not want to offer this to your customers

PayPal™

Merchants can only enable PayPal™ on their own. For information on how to do this, see our PayPal™ Integration Guide.

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
PayPal™ 5VisaAustria, 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

5 with the exception of certain merchant categories .

  • Any customer payments via PayPal™ will be deposited to your PayPal™ account (and not your Viva Wallet account)

  • PayPal™ is not available through Quick Pay or for payment orders with disableExactAmount parameter set to true

  • The integration between Viva Wallet and PayPal™ will function only if your PayPal™ Business Account has been fully approved by PayPal™ and can accept payments

Alternative payment methods

The following table below shows the country-specific alternative payment methods we support6. Merchants do not need to have an account with any of the payment providers below.

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
BLIK Blik Poland Poland
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, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, United Kingdom Austria, Belgium, Germany, Italy, Netherlands, Spain, United Kingdom
Trustly Trustly 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
WeChat Pay Wechat Pay Austria, Belgium, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, United Kingdom All

Kindly note that:
- In order for the above alternative payment methods to be available to all your eligible customers, you need to provide the countryCode parameter of the customer during the creation of the Payment Order
- If you are using a plugin, a specific alternative payment method can be offered to your customers only if the customer country mentioned in the table above is the same as the country you are registered in

These payment methods are asynchronous. Please see the Asynchronous payment methods section for further information and to understand how to properly handle these payment methods via webhooks

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 .

Payconiq™

This payment method is auto enabled, with the exception of certain merchant categories .

The following table shows the merchant and customer countries in which Payconiq™ is supported:


Payment Method Name Payment Method Icon Merchant Country Customer Country
Payconiq™ Payconiq™ Belgium, Luxembourg Belgium, Luxembourg

Kindly note that:
- In order for Payconiq to be available to all your eligible customers, you need to provide the countryCode parameter of the customer during the creation of the Payment Order
- If you are using a plugin, Payconiq can be offered to your customers only if the customer country mentioned in the table above is the same as the country you are registered in

This payment method is asynchronous. Please see the Asynchronous payment methods section for further information and to understand how to properly handle this payment method via webhooks

Payconiq™ is not available through Quick Pay or for payment orders with disableExactAmount parameter set to true

Other payment methods

The following payment methods are available only to merchants registered in Greece and are enabled by default.

These payment methods are asynchronous. Please see the Asynchronous payment methods section for further information and to understand how to properly handle these payment methods via webhooks

Cash (Viva Spot) and e-banking (ΔΙΑΣ) are not available through Quick Pay

Cash (Viva Spot) and e-banking (ΔΙΑΣ) can be disabled by using the disableCash parameter during the creation of the payment order for Smart Checkout. For disabling IRIS, please get in touch with us by clicking the live chat icon in the bottom right of this page.

SEPA Direct Debit

This payment method allows merchants in Euro/SEPA countries mentioned in the table below to be paid through a direct debit initiation. The customer gives the agreement to the merchant to automatically debit funds from his personal bank account. This service is offered by Viva Wallet to all its customers, giving them the ability to pay for their monthly obligations by charging their Viva Wallet account.

The following table shows the merchant and customer countries in which this payment method is supported:


Payment Method Name Payment Method Icon Merchant Country Customer Country
SEPA Direct Debit SEPA DD Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Customers with valid SEPA IBANs from bank accounts that support Direct Debit

If you wish to enable this payment method, please 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.

Asynchronous payment methods

Asynchronous payment methods are those in which payments are not confirmed immediately (synchronously). As such, it may take up to several days to confirm whether or not the payment has been successful, 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 plugin.

The following payment methods are asynchronous:

Refunds

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

Recurring payments

The following payment methods support recurring payments:

Pre-authorizations

The following payment methods support pre-authorizations:

Installments

The following payment methods support instalments: