Virtual Terminal

The Viva Wallet Virtual Terminal (also referred to as ‘web POS’) is an online application that enables you to receive payments via a debit, credit or prepaid card. It provides your business with the functionality of a physical card acceptance terminal.


  • Sales executed through the virtual terminal are processed, cleared and credited to your accounts on the next business day.
  • You can access your trading history at any time by selecting the ‘Sales’ category.
  • Under the same category, you can also access additional features including cancellations, reversals and charges.

To take a payment using Virtual Terminal:

  1. Log in to the Viva Wallet banking app and select the account you wish to use.

  2. Click on Sales then Virtual Terminal in the left nav.
    A notification is displayed requesting that you:

    • Match the name on your customer’s ID against that embossed on your customer’s payment card.
    • Obtain customer’s signature on the transaction’s document (receipt or invoice or pro-forma etc) & keep for 12 months minimum.
    • Cross-check customer’s signature on the transaction’s document against the ID specimen.
    • Take note of your customer’s name, address, telephone and e-mail.
  3. Click on the Yes button if you agree to these necessary actions.
    The Virtual Terminal will be displayed:

    Viva Wallet Virtual Terminal

  4. Complete the mandatory fields:

    • Your reference – to help you identify the payment.

    • Amount

    • A short description for this payment - note for customer.

    • Customer e-mail

    • Customer phone number

    • Card number

    • Name on card

    • Exp. Month

    • Exp. Year

    • CVV – for Mastercard, Visa and Diners, the three digits on the back of the card. For Amex, the four digits on the front of the card.

    • Payment Source – Select ‘default’ unless you have set up multiple sources representing the different parts of your business, in which case, choose the most suitable category instead.

    • Tags – to group transactions together for easy retrieval later (optional).

    • Receipt language

  5. Click on the Charge card button.
    The payment process is now complete.