Pay By Bank

Information on the Pay By Bank payment method.


This payment method will be available soon. Please reach out via our Live Chat feature if you have any questions

What is “Pay by Bank”?

Pay by Bank allows you to pay online instantly and directly from your bank account. Pay by bank follows Open Banking standards and applies a high level of security.

How does “Pay by Bank” work?

You will be securely redirected to your Pay By Bank app where you will be able to authorise the payment with no need to share any sensitive details. You will be protected by end-to-end encryption.

Pay by Bank is secure and instant and relies on your bank’s current account. You WILL NOT need to share or save your card details.

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

User Experience


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

Pay By Bank - 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:

Pay By Bank - User Journey - 2

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

Pay By Bank - User Journey - 6


Please also see our videos below, outlining the desktop and mobile use of Pay By Bank:




How to enable Pay By Bank

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 Pay By Bank enabled. If your business is in one of these categories, you will not be able to accept payments through Pay By Bank:

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 Pay By Bank as a payment method:

Payment Method Icon - Pay By Bank


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!