Online Banking

Information on the Online Banking payment method.


The Online Banking payment method allows your customers to complete their transactions by directly debiting a bank account through the secure environment of Smart Checkout. When choosing this method, the customer is prompted to select and connect to his web banking in order to pay for his purchase. An eligible bank can be easily selected when processing the payment with this method.

It is processed through the SEPA transfers and operates for most European banks.

User Experience


At the checkout, the customer selects “Online Banking” as their preferred payment method and fills the form with his/her email and name details:

Online Banking - User Journey - 1

After clicking the “Select bank” button, a list of eligible banks will appear. The customer can select his/her bank and can also easily search for it by entering the bank’s name in the search box:

Online Banking - User Journey - 2

The customer is then redirected to his/her Bank account in order to sign in and confirm the payment:

Online Banking - User Journey - 6


Please also see our videos below, outlining the desktop and mobile use of Online Banking:




How to enable Online Banking

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.

Merchant Categories

There are some merchant categories that are not eligible to have Online Banking enabled. If your business is in one of these categories, you will not be able to accept payments through Online Banking:

Merchant Category (MCC) Description
4812 Telecommunication Equipment Including Telephone Sales
4814 Telecommunication Services including but not limited to prepaid phone services and recurring phone services
4816 Computer Network/Information Services
4899 Wire Transfer Money Orders (V, D, G, X) Money Transfer (M)
5122 Drugs, Drug Proprietors and Druggists Sundries
5912 Drug Stores and Pharmacies
5966 Direct Marketing–Outbound Telemarketing Merchants
5967 Direct Marketing–Inbound Teleservices Merchants
5993 Cigar Stores and Stands
6051 Quasi Cash–Merchant
7841 VD/Video Tape Rental Stores

Payment method icon

If desired, you can download and use this icon on your site or online store, in order to show customers you offer Online Banking as a payment method:

Payment Method Icon - Online Banking

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!