Payment methods

Viva supports a wide variety of card schemes, digital wallets, local payment methods, e-banking services and more.

Overview

Viva 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 ‘viva.com | Terminal’ application & 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

Payment method messaging

It is important that the customer is aware of the payment methods you offer via Smart Checkout, as this will increase conversion and average order values.

You should let your customers know about the available payment options as they browse your online store, even before they decide to buy. Informing them early on will help the purchase decision, especially when offering BNPL or financing options. Doing so will create trust and let the customer know they can pay with whatever payment method is convenient to them. This is especially helpful for your international customers, as they will know they can pay with their own local payment method, even though they are shopping from a merchant from another country.

Display payment method icons or banners throughout your online store (indicatively: footer, homepage, product display page, cart/basket page, checkout, and so on) to captivate shoppers from the start, make your customers shop with confidence, help shoppers find the answers to their most commonly asked questions, and increase conversion. Especially when offering BNPL or financing options, inform your customers about their options as early as possible.

You can potentially include icons of the offered payment methods in:

Consider also including an FAQ to tell your customers everything they want to know about how to buy from you and all the payment methods you offer. This way, you’ll reduce any friction in the purchase journey as well as reducing contacts to your customer service team.

Available payment methods

Cards

Payment Method Merchant Countries How to activate Asynchronous [?] Refunds [?] Recurring payments [?] Pre-authorizations [?] Card installments [?] (Greece only) Card Verification [?]
VisaVisa All By default [1] No Yes Yes Yes Yes Yes
MastercardMastercard All By default [1] No Yes Yes Yes Yes Yes
American ExpressAmerican Express All By default [1] (excluded merchant categories) No Yes Yes Yes Yes Not yet available, but will be supported at a later date
MaestroMaestro All By default [1] No Yes Yes Yes No Yes
BancontactBancontact Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain By default [1] No Yes Yes Yes No No
JCBJCB All By default [1] (excluded merchant categories) No Yes Yes Yes No No
Diners ClubDiners Club International All except Sweden By default [1] No Yes Yes Yes No Yes
DiscoverDiscover All except Sweden By default [1] No Yes Yes Yes No Yes
CBCartes Bancaires France only

(can also be supported in all EUR countries via an exceptional process)
By default [1]

(for Viva NEXT terminals and Tap-on-Phone - Android only)
No Refunds are available on Viva NEXT terminals (for contact payments only) No Pre-authorizations will be supported at a later date for both Viva NEXT terminals and Tap-on-Phone No No

[1] - This payment method is activated by default - you automatically offer this payment method to your customers
[2] - This payment method is activated or initiated 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 activated by Viva - 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 activate Asynchronous [?] Refunds [?] Recurring payments [?] Pre-authorizations [?] ISV schema [?]
Apple PayApple Pay
(guide)
Apple Pay supported countries By default [1] (excluded merchant categories) No Yes Yes Yes Yes
Google PayGoogle Pay
(guide)
Google Pay supported countries By default [1] (excluded merchant categories) No Yes Yes Yes Yes
Samsung PaySamsung Pay
(guide)
France, Germany, Italy, Sweden, United Kingdom By default [1] No Yes Yes Yes Yes
PayPalPayPal
(guide)
Austria, Belgium, Croatia, 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 activation guide and the excluded merchant categories No Yes No No No
PayPal Pay LaterPayPal Pay Later
(guide)
France, Germany, Italy, Spain, United Kingdom Included by default with PayPal [2] No Yes No No No
Viva WalletViva Wallet
(guide)
Greece, Cyprus, Malta By default [1]

(to disable, see Note box below table)
No Yes No No Yes
MobilePay OnlineMobilePay Online
(guide)
Austria, Belgium, Croatia, Cyprus, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain & Sweden By merchant [2] – see our activation guide and the excluded merchant categories No Yes No Yes Yes

[1] - This payment method is activated by default - you automatically offer this payment method to your customers
[2] - This payment method is activated or initiated 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 activated by Viva - 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 for a given payment 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 activate Asynchronous [?] Refunds [?] Recurring payments [?] Pre-authorizations [?] ISV schema [?]
BANCOMAT Pay
BANCOMAT Pay
(guide)

Please note: this payment method is coming soon
Italy Italy By merchant [2] – see our activation guide Yes Yes
Only one refund is allowed
No No Yes
Bancontact QR
Bancontact QR
(guide)
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Belgium By default [1] No Yes Yes
Bancontact QR supports recurring payments, but only in cases in which the issuing bank also supports recurring payments
Yes Yes
BitPay
BitPay
(guide)
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, United Kingdom All By Viva [3] (excluded merchant categories) Yes No No No Yes
BLIKBLIK
(guide)
Poland Poland By Viva [3] (excluded merchant categories) Yes Yes No No Yes
EPSEPS
(guide)
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Austria By Viva [3] (excluded merchant categories) Yes Yes No No Yes
giropaygiropay
(guide)
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Germany By Viva [3] (excluded merchant categories) Yes Yes No No Yes
iDEALiDEAL
(guide)
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Netherlands By Viva [3] (excluded merchant categories) Yes Yes No No Yes
IRISIRIS
(guide)
Greece Greece By default [1] Yes Yes No No No
KlarnaKlarna
(guide)
Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Poland, Portugal, Romania, Spain, Sweden and United Kingdom Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Poland, Portugal, Spain, Sweden and United Kingdom By merchant [2] – see our activation guide and the excluded merchant categories No Yes No Yes Yes
MULTIBANCO
MULTIBANCO
(guide)
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Portugal By merchant [2] – see our activation guide Yes No
Please note: this service is currently unavailable
No No Yes
MB WAY
MB WAY
(guide)
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain Portugal By merchant [2] – see our activation guide Yes Yes No No Yes
P24
P24
(guide)
Poland Poland By Viva [3] (excluded merchant categories) Yes Yes No No Yes
Payconiq
Payconiq
(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 Yes
PayU
PayU
(guide)
Czech Republic, Poland Czech Republic, Poland By Viva [3] (excluded merchant categories) Yes No Yes No Yes
SofortSofort
(guide)
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, United Kingdom Austria, Belgium, Germany, Italy, Netherlands, Spain, United Kingdom By Viva [3] (excluded merchant categories) Yes No Yes No Yes
Swish
Swish
(guide)
Sweden Sweden By merchant [2] – see our activation guide No Yes No No Yes
tbi bank
tbi bank
(guide)
Greece Greece By merchant [2] – see our activation guide and the excluded merchant categories Yes Yes No No Yes
Trustly
Trustly
(guide)
Austria, Belgium, Croatia, 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 [3] (excluded merchant categories) Yes Yes No No Yes
WeChat Pay
WeChat Pay
(guide)
France, Germany, Ireland, Italy, Luxembourg, Netherlands, United Kingdom All By Viva [3] (excluded merchant categories) Yes Yes No No Yes

[1] - This payment method is activated by default - you automatically offer this payment method to your customers
[2] - This payment method is activated or initiated 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 activated by Viva - 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 available:

Please see the below table for further information:

Payment Method Merchant Countries How to activate Asynchronous [?] Refunds [?] Recurring payments [?] Pre-authorizations [?] ISV schema [?]
Pay By Bank
Pay By Bank
(guide)
Currently available for merchants registered in Finland
(support for more Euro countries coming soon)
By Viva [3] (excluded merchant categories) Yes Yes No No No
Cash (Viva Spot)
Cash (Viva Spot)
(guide)
Greece, Malta By default [1] Yes No No No Yes
e-banking (ΔΙΑΣ/DIAS)
e-banking (ΔΙΑΣ/DIAS)
(guide)
Greece, Malta By default [1] Yes No No No Yes
Pay on Delivery
Pay on Delivery
(guide)
All By merchant [2] – see our activation guide No No No No No

[1] - This payment method is activated by default - you automatically offer this payment method to your customers
[2] - This payment method is activated or initiated 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 activated by Viva - 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 account.

Merchant Country Available payment methods
Austria For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, EPS, Pay By Bank, Pay on Delivery, Klarna, Sofort, Trustly & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, giropay & MobilePay Online
Belgium For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Bancontact QR, Payconiq, Pay By Bank, Pay on Delivery, Klarna, Sofort & BitPay

Especially for your international customers, you can additionally offer: iDEAL, MULTIBANCO, MB WAY, EPS, giropay, Trustly & MobilePay Online
Bulgaria For all your customers, you can offer: Cards, Apple Pay, Google Pay & Pay on Delivery
Croatia For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Pay on Delivery, BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, EPS, giropay, iDEAL, MULTIBANCO, MB WAY, Payconiq, Sofort, Trustly & MobilePay Online
Cyprus For all your customers, you can offer: Cards, Apple Pay, PayPal, Pay on Delivery, Viva Wallet & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, giropay, Sofort, Trustly & MobilePay Online
Czech Republic For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, PayU, Pay on Delivery, Klarna, Trustly & MobilePay Online
Denmark For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Pay on Delivery, Klarna & Trustly
Finland For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Pay on Delivery, Klarna, Trustly, BitPay & MobilePay Online

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, giropay & Sofort
France For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, Pay By Bank, Pay on Delivery, Klarna, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, giropay, Sofort, Trustly & MobilePay Online
Germany For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, giropay, Pay By Bank, Pay on Delivery, Klarna, Sofort, Trustly, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS & MobilePay Online
Greece For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, IRIS, Pay on Delivery, Viva Wallet, Klarna, BitPay, tbi bank, e-banking (ΔΙΑΣ/DIAS) & Cash (Viva Spot)

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, giropay, Sofort, Trustly & MobilePay Online
Hungary For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal & Pay on Delivery
Ireland For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Pay on Delivery, Klarna, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, giropay, Sofort, Trustly & MobilePay Online
Italy For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, Pay on Delivery, BANCOMAT Pay, Klarna, Sofort, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, giropay, Trustly & MobilePay Online
Luxembourg For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Pay on Delivery, Payconiq, Pay By Bank, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, iDEAL, MULTIBANCO, MB WAY, EPS, giropay, Sofort, Trustly & MobilePay Online
Malta For all your customers, you can offer: Cards, Apple Pay, PayPal, Pay on Delivery, Viva Wallet & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, giropay, Sofort, Trustly & MobilePay Online
Netherlands For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, iDEAL, Pay By Bank, Pay on Delivery, Klarna, Sofort, Trustly, WeChat Pay & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, MULTIBANCO, MB WAY, EPS, giropay & MobilePay Online
Poland For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, BLIK, Pay on Delivery, Klarna, P24, PayU & Trustly
Portugal For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, MULTIBANCO, MB WAY, Pay By Bank, Pay on Delivery, Klarna, Trustly & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, EPS, giropay, Sofort & MobilePay Online
Romania For all your customers, you can offer: Cards, Apple Pay, Google Pay, Pay on Delivery & Klarna
Spain For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, PayPal Pay Later, Pay By Bank, Pay on Delivery, Klarna, Sofort, Trustly & BitPay

Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, giropay & MobilePay Online
Sweden For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, Swish, Pay on Delivery, Klarna & Trustly

Especially for your international customers, you can additionally offer: MobilePay Online
United Kingdom For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, Pay on Delivery, 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, the PrestaShop Smart 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.

Please note: If offering installments, the value provided by the merchant is not the number of installments the customer will select, and it is not mandatory for the customer to select installments at all. The process is as follows:

  1. The merchant indicates the maximum number of installments they wish to offer to the customer
  2. It is then up to the customer whether they pay with or without installments
  3. If the customer decides to pay with installments, they are able to select the number of installments (up to the maximum specified by the merchant)

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

Card Verification

Card Verification functionality allows for a zero-amount payment order to be created, to allow for verification of the customer’s card without any money being taken.

The following card schemes support this functionality:

For more information, please see our Card Verification tutorial.

Payment methods for POS

The above payment methods are all available for our Smart Checkout solution. Our ‘viva.com | Terminal’ application & 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 (Terminal) 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
MobilePay Online
BANCOMAT Pay
BitPay
BLIK
EPS
giropay
iDEAL
IRIS
Klarna
MULTIBANCO
MB WAY
P24
Payconiq
PayU
Sofort
Swish
tbi bank
Trustly
WeChat Pay
SEPA Direct Debit
Pay By Bank
Cash (Viva Spot)
Pay on Delivery

Native POS payment methods

Our POS (Terminal) Apps & Devices natively support several other payment methods, namely:

Card present refers to customer payments using a physical credit/debit card via contactless or via Chip & PIN (for devices with a physical card slot, such as terminals and our mini card reader).

For iOS implementations, Apple Tap to Pay is supported in the following circumstances (further information can be found here):

- The viva.com | Terminal app is on v5.0.0 or above
- The merchant is in a supported country - the UK, the Netherlands & France, currently
- Apple Tap to Pay is supported by and set up on the device
- If in the Demo environment (for testing purposes), a Sandbox Apple Tap to Pay account is required

For merchants in France, the Cartes Bancaires (CB) card scheme is available. This is supported by Viva NEXT terminals and Tap-on-Phone (Android only)

Digital wallets (such as Apple Pay, Google Pay or Samsung Pay) can be also be used to pay via contactless payment.

Alipay, Klarna (for POS) & Payconiq (for POS) all allow the merchant to generate a QR code for the customer to scan with their mobile phone or tablet. The customer can then complete the payment on their device.

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

Get Support

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