Smart Checkout
Smart Checkout is a turn-key solution for merchants to integrate with Viva Wallet to accept payments via an online store. It involves minimal effort on your side and offers the widest variety of payment options and overall features. When your customer is ready to make a payment, you direct them to a payment page hosted by Viva Wallet, where the customer provides their payment details and makes the payment. When the payment is completed, they are redirected back to a success (thank you) page of your choice.
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.
On this page:
Features
Smart Checkout offers the widest variety of overall features:
- 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 can save cards and use across merchants and countries, without the need for the customer to create an account
- Card decline recovery: based on the customer’s past payment behavior, we prompt the customer to re-try a declined card 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)
- Multiple payment methods: Accept multiple payment methods, including international card schemes (Visa, Mastercard, American Express, Discover and more), local card schemes (Bancontact, and more), digital wallets (Apple Pay™, Google Pay™, Samsung Pay™), other payment methods such as PayPal™, Trustly, Sofort, BLIK, EPS, giropay, iDEAL, MULTIBANCO, Payconiq™, as well as online banking, SEPA Direct Debit and more
- 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 10 currencies
- 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 © comply with all the latest regulatory and security requirements
Smart Checkout is preferable to an API-based checkout (i.e. a checkout you need to build yourself for your online store by integrating with APIs offered by several different payment providers in order to offer all payment methods) for multiple reasons:
- 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
Integration guide
Here is our integration guide covering the process to integrate Smart Checkout with your online store.
Functionality & options
Here are details of the functionality & options offered by Smart Checkout, including the additional configuration choices available.
Frequently Asked Questions
Here are our frequently asked questions (FAQs) surrounding the integration, configuration, and use of Smart Checkout.
Supported payment methods
As well as accepting Credit & Debit Card payments, Smart Checkout integrates with digital wallets such as Apple Pay™, Viva Wallet, Google Pay™ and Samsung Pay™.
Other payment methods such as PayPal™, IRIS, Payconiq™ and SEPA Direct Debit as well as a wide array of alternative payment methods are also supported.
Please see our Payment Methods page for further information on all of our payment methods
Demo payment pages
Please find, below, demo pages for each available country. You can use these as illustrations of how the Smart Checkout payment page looks and functions.
You can use our test payment cards in order to test making payments.
Country Flag | Demo Payment Page Link | Country Flag | Demo Payment Page Link |
---|---|---|---|
![]() | Austria | ![]() | Ireland |
![]() | Belgium | ![]() | Italy |
![]() | Bulgaria | ![]() | Luxembourg |
![]() | Croatia | ![]() | Malta |
![]() | Cyprus | ![]() | Netherlands |
![]() | Czech Republic | ![]() | Poland |
![]() | Denmark | ![]() | Portugal |
![]() | Finland | ![]() | Romania |
![]() | France | ![]() | Spain |
![]() | Germany | ![]() | Sweden |
![]() | Greece | United Kingdom | |
![]() | Hungary |
Get Support
If you have any questions about our solutions, or questions about how to integrate with our solutions, please refer to our Get Support page.