Smart Checkout

Smart Checkout exhibits high performance: the customers of our merchant clients that use Smart Checkout proceed to pay on an average rate of 87.6% across Europe (that number is even higher in certain countries, like the UK, where it sits at 91.1%). That number climbs even higher, to 97.2% for customers that have saved their card on Smart Checkout.

Smart Checkout future-proofs your payments as it is constantly self-updated, with no coding required from you, to offer a) additional payment methods as they grow in popularity, b) constant improvements to customer experience and thus conversion, and c) constant regulatory compliance to ever-changing regulatory requirements

• Simple integration: minimal effort required to integrate, with all features enabled out of the box without additional coding from you
• Increased conversion: dynamically shows payment methods most likely to convert
• Customer preferences: remembers past payment behavior and preferences of the customer across merchants and countries
• Saved cards (customer-side): customers can pay using cards they have saved during past purchases, even from other merchants; thus, saved cards are available even to first-time customers. The customer does not need to create an account to save a card or re-use saved cards. New merchants take advantage of the pool of already saved cards across the Viva Wallet ecosystem
• Card tokenization (merchant-side): the merchant can save the card tokens of their customers in the merchant backend, and then use the saved card tokens when the merchant will redirect their customers to Smart Checkout again in the future. The saved card tokens provided by the merchant will then be presented to the customer on Smart Checkout to use and pay with
• Decline recovery: based on the customer’s past payment behavior, we prompt the customer to re-try a declined payment
• Recurring payments: charge the customer automatically, for a fixed or variable amount, on a regular or non-regular schedule
• Pre-authorizations: the merchant can reserve funds now and conclude the payment later (i.e. ‘authorize’ now and ‘capture’ later)
• Payment method customization: switch payment methods on/off at any time, specify order of appearance of payment methods, and specify preferred payment method
• Mobile-optimized: offer an optimized browsing experience on any device (mobile, tablet, laptop, or desktop)
• Local languages & currencies: current support for 17 languages (English, German, French, Italian, Spanish, Polish, Romanian, Dutch, Greek, Czech, Portuguese, Swedish, Hungarian, Bulgarian, Danish, Finnish, and Croatian), and 9 currencies (BGN (Bulgarian lev), CZK (Czech koruna), DKK (Danish krone), EUR (Euro), GBP (Pound sterling),HUF (Hungarian forint), PLN (Polish złoty), RON (Romanian leu) & SEK (Swedish krona))
• Cross-border payments: Supported for all payment methods; you can accept payments from international customers for all payment methods, provided you indicate the country of the customer (use the countryCode parameter of the Create payment order API call)
• Cross-currency payments: Not yet supported; your customer can only pay you in the currency of your business account
• Branding: allow customization of the look and feel of your checkout page through a graphical user interface
• Compliance & security: full PCI & SCA/3DS support utilizing SCA exemptions, along with advanced fraud protection using Machine Learning algorithms
• Constantly self-updated: regular self-updates with no coding required from you, to; a) offer new payment methods, b) offer new conversion-improving features, and c) comply with all the latest regulatory and security requirements

• It requires minimal effort to integrate and offer all the above out-of-the-box features and payment methods
• It requires no effort to keep up-to-date, as Viva Wallet deals on an ongoing basis with any enhancements to offer new features and additional payment methods as well as the continuous compliance with ever-changing regulatory requirements
• It offers payment methods not available via an API-based checkout, such as PayPal (wallet) which is available only as a redirect option
• It offers unique features that an API-based checkout cannot offer across merchants and countries, and thus offers the below benefits to the merchant:
  • Customers can use cards they have saved during past purchases from other merchants
  • Customers are presented payment methods most likely to convert based on past overall behaviour (considering all purchases from all merchants across countries)
• Keep in mind that nowadays more than 55% of consumers across Europe pay with a method other than card, and this continues to grow