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.

• 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

• 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