Payment methods
Viva supports a wide variety of card schemes, digital wallets, local payment methods, e-banking services and more.
- Overview
- Available payment methods
- Country availability
- Functionality
- Payment methods for POS
- Get Support
Overview
Viva allows merchants to accept payments online, via our plugins, Smart Checkout, and payment tools, and offer multiple payment methods to their customers.
- Offer payment methods familiar to your customers
- Cater to the payment preferences of international customers
- Avoid losing customers by not offering their preferred payment methods
- And thus, increase your conversion rate
In order to be able to offer these payment methods to your customers, the below conditions need to be met:
- First, you need to be eligible for a payment method: this depends on:
- The country of registration of your Viva account (refer to the ‘Merchant Countries’ column in the tables below)
- The type of your business (i.e. MCC = Merchant Category Code)
- Then, the payment method needs to be activated for you:
- Some payment methods are automatically activated for you by us (e.g. Apple Pay)
- Other payment methods can only be activated by yourself (e.g. PayPal)
- For other payment methods you need to get in touch with us to activate them for you after a further review of your business (see further below for details)
The below payment methods are all available for our Smart Checkout solution. Our ‘Viva.com Terminal’ application & Card Terminal Devices support Smart Checkout whilst also allowing for some additional payment options. Please see the Payment methods for POS section for more details
For information about trying out the below in our demo environment, please see our Test cards and environments page.
Payment method messaging
It is important that the customer is aware of the payment methods you offer via Smart Checkout, as this will increase conversion and average order values.
You should let your customers know about the available payment options as they browse your online store, even before they decide to buy. Informing them early on will help the purchase decision, especially when offering BNPL or financing options. Doing so will create trust and let the customer know they can pay with whatever payment method is convenient to them. This is especially helpful for your international customers, as they will know they can pay with their own local payment method, even though they are shopping from a merchant from another country.
Display payment method icons or banners throughout your online store (indicatively: footer, homepage, product display page, cart/basket page, checkout, and so on) to captivate shoppers from the start, make your customers shop with confidence, help shoppers find the answers to their most commonly asked questions, and increase conversion. Especially when offering BNPL or financing options, inform your customers about their options as early as possible.
You can potentially include icons of the offered payment methods in:
- The footer or header of your online store
- The individual product pages
- The checkout page before redirecting the customer to Smart Checkout
Consider also including an FAQ to tell your customers everything they want to know about how to buy from you and all the payment methods you offer. This way, you’ll reduce any friction in the purchase journey as well as reducing contacts to your customer service team.
Available payment methods
Cards
Payment Method | Merchant Countries | How to activate | Asynchronous [?] | Refunds [?] | Recurring payments [?] | Pre-authorizations [?] | Card installments [?] (Greece only) | Card Verification [?] |
---|---|---|---|---|---|---|---|---|
Visa | All | By default [1] | No | |||||
Mastercard [†] | All | By default [1] | No | |||||
American Express | All | By default [1] (excluded merchant categories) | No | Not yet available, but will be supported at a later date | ||||
Maestro | All | By default [1] | No | |||||
Bancontact | Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain | By default [1] | No | |||||
JCB | All | By default [1] (excluded merchant categories) | No | |||||
Diners Club International | All except Sweden | By default [1] | No | |||||
Discover | All except Sweden | By default [1] | No | |||||
Cartes Bancaires | France only (can also be supported in all EUR countries via an exceptional process) |
By default [1] (for Viva NEXT terminals and Tap-on-Phone - Android only) |
No | Refunds are available on Viva NEXT terminals (for contact payments only) | Pre-authorizations will be supported at a later date for both Viva NEXT terminals and Tap-on-Phone |
[1] - This payment method is activated by default - you automatically offer this payment method to your customers
[2] - This payment method is activated or initiated by the merchant - please see the individual payment method page for details on how to offer this payment method to your customers
[3] - This payment method is activated by Viva - please contact your sales representative or use our Live Chat(which can be found in your Production Viva self-care account) if you would like to offer this payment method to your customers
[†] - Mastercard Click to Pay is also supported (currently in Belgium only)
Digital wallets
Payment Method | Merchant Countries | How to activate | Asynchronous [?] | Refunds [?] | Recurring payments [?] | Pre-authorizations [?] | ISV schema [?] |
---|---|---|---|---|---|---|---|
Apple Pay (guide) |
Apple Pay supported countries | By default [1] (excluded merchant categories) | No | ||||
Google Pay (guide) |
Google Pay supported countries | By default [1] (excluded merchant categories) | No | ||||
Samsung Pay (guide) |
France, Germany, Italy, Sweden, United Kingdom | By default [1] | No | ||||
PayPal (guide) |
Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Luxembourg, Malta, Netherlands, Poland, Portugal, Spain, Sweden, United Kingdom | By merchant [2] – see our activation guide and the excluded merchant categories | No | ||||
PayPal Pay Later (guide) |
France, Germany, Italy, Spain, United Kingdom | Included by default with PayPal [2] | No | ||||
Viva Wallet (guide) |
Greece, Cyprus, Malta | By default [1] (to disable, see |
No | ||||
MobilePay Online (guide) |
Austria, Belgium, Croatia, Cyprus, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain & Sweden | By merchant [2] – see our activation guide and the excluded merchant categories | No |
[1] - This payment method is activated by default - you automatically offer this payment method to your customers
[2] - This payment method is activated or initiated by the merchant - please see the individual payment method page for details on how to offer this payment method to your customers
[3] - This payment method is activated by Viva - please contact your sales representative or use our Live Chat if you would like to offer this payment method to your customers
If desired, you can disable the Viva Wallet payment method for a given payment by setting the disableWallet
parameter to true
when creating a payment order
Local payment methods
The following table shows the country-specific ‘alternative’ payment methods we support.
‘Customer Countries’ refers to the country of the customers who can pay using this payment method. For example, a French merchant can be paid via iDEAL by a customer based in the Netherlands.
Merchants do not need to have an account with any of the payment providers below
Payment Method | Merchant Countries | Customer Countries | How to activate | Asynchronous [?] | Refunds [?] | Recurring payments [?] | Pre-authorizations [?] | ISV schema [?] |
---|---|---|---|---|---|---|---|---|
BANCOMAT Pay (guide) Please note: this payment method is coming soon |
Italy | Italy | By merchant [2] – see our activation guide | Yes | Only one refund is allowed |
|||
Bancontact QR (guide) |
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain | Belgium | By default [1] | No | Bancontact QR supports recurring payments, but only in cases in which the issuing bank also supports recurring payments |
|||
BitPay (guide) |
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, United Kingdom | All | By Viva [3] (excluded merchant categories) | Yes | ||||
BLIK (guide) |
Poland | Poland | By Viva [3] (excluded merchant categories) | Yes | ||||
Bluecode (guide) |
Austria and Germany | Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain | By Viva [2] – see our activation guide and the excluded merchant categories | No | ||||
EPS (guide) |
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain | Austria | By Viva [3] (excluded merchant categories) | Yes | ||||
iDEAL (guide) |
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain | Netherlands | By Viva [3] (excluded merchant categories) | Yes | ||||
IRIS (guide) |
Greece | Greece | By default [1] | Yes | ||||
Klarna (guide) |
Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Netherlands, Poland, Portugal, Romania, Spain, Sweden and United Kingdom | Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Poland, Portugal, Spain, Sweden and United Kingdom | By merchant [2] – see our activation guide and the excluded merchant categories | No | ||||
MULTIBANCO (guide) |
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain | Portugal | By merchant [2] – see our activation guide | Yes | Please note: this service is currently unavailable |
|||
MB WAY (guide) |
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain | Portugal | By merchant [2] – see our activation guide | Yes | ||||
P24 (guide) |
Poland | Poland | By Viva [3] (excluded merchant categories) | Yes | ||||
Payconiq (guide) |
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain | Belgium, Luxembourg | By default [1] (excluded merchant categories) | Yes | ||||
PayU (guide) |
Czech Republic, Poland | Czech Republic, Poland | By Viva [3] (excluded merchant categories) | Yes | ||||
Sofort (guide) |
Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain, United Kingdom | Austria, Belgium, Germany, Italy, Netherlands, Spain, United Kingdom | By Viva [3] (excluded merchant categories) | Yes | ||||
Satispay (guide) |
Italy, France, Luxembourg, Germany | Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain | By Viva [3] (excluded merchant categories) | No | ||||
Swish (guide) |
Sweden | Sweden | By merchant [2] – see our activation guide | No | ||||
tbi bank (guide) |
Greece | Greece | By merchant [2] – see our activation guide and the excluded merchant categories | Yes | ||||
Trustly (guide) |
Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Poland, Portugal, Spain, Sweden, United Kingdom | Austria, Czech Republic, Denmark, Finland, Germany, Netherlands, Poland, Spain, Sweden, United Kingdom | By Viva [3] (excluded merchant categories) | Yes | ||||
WeChat Pay (guide) |
France, Germany, Ireland, Italy, Luxembourg, Netherlands, United Kingdom | All | By Viva [3] (excluded merchant categories) | Yes |
[1] - This payment method is activated by default - you automatically offer this payment method to your customers
[2] - This payment method is activated or initiated by the merchant - please see the individual payment method page for details on how to offer this payment method to your customers
[3] - This payment method is activated by Viva - please contact your sales representative or use our Live Chat(which can be found in your Production Viva self-care account) if you would like to offer this payment method to your customers
Direct Debit & other
The following baking-related payment methods are available:
- Pay By Bank: the customer can pay a merchant by logging into their e-banking and then authorizing the specific payment to the merchant
- Cash (Viva Spot): the customer can pay using cash at more than 2000 spots of the Viva partner network in Greece (Viva Spot)
- e-banking (ΔΙΑΣ/DIAS): the customer can pay via e-banking of a Greek Bank (Πληρωμές)
- Pay on Delivery: this payment method allows the customer to pay via their chosen method, upon the delivery of the goods and/or services they have ordered
Please see the below table for further information:
Payment Method | Merchant Countries | How to activate | Asynchronous [?] | Refunds [?] | Recurring payments [?] | Pre-authorizations [?] | ISV schema [?] |
---|---|---|---|---|---|---|---|
Pay By Bank (guide) |
Currently available for merchants registered in Finland (support for more Euro countries coming soon) |
By Viva [3] (excluded merchant categories) | Yes | ||||
Cash (Viva Spot) (guide) |
Greece, Malta | By default [1] | Yes | ||||
e-banking (ΔΙΑΣ/DIAS) (guide) |
Greece, Malta | By default [1] | Yes | ||||
Pay on Delivery (guide) |
All | By merchant [2] – see our activation guide | No |
[1] - This payment method is activated by default - you automatically offer this payment method to your customers
[2] - This payment method is activated or initiated by the merchant - please see the individual payment method page for details on how to offer this payment method to your customers
[3] - This payment method is activated by Viva - please contact your sales representative or use our Live Chat(which can be found in your Production Viva self-care account) if you would like to offer this payment method to your customers
Country availability
Find below the payment methods available to a merchant depending on the country of registration of their Viva account.
Merchant Country | Available payment methods |
---|---|
Austria | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, EPS, Pay By Bank, Pay on Delivery, Klarna, Sofort, Trustly & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY & MobilePay Online |
Belgium | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Bancontact QR, Payconiq, Pay By Bank, Pay on Delivery, Klarna, Sofort & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: iDEAL, MULTIBANCO, MB WAY, EPS, Trustly & MobilePay Online |
Bulgaria | For all your customers, you can offer: Cards, Apple Pay, Google Pay & Pay on Delivery |
Croatia | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Pay on Delivery, BitPay
For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, EPS, iDEAL, MULTIBANCO, MB WAY, Payconiq, Sofort, Trustly & MobilePay Online |
Cyprus | For all your customers, you can offer: Cards, Apple Pay, PayPal, Pay on Delivery, Viva Wallet & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, Sofort, Trustly & MobilePay Online |
Czech Republic | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, PayU, Pay on Delivery, Klarna, Trustly & MobilePay Online |
Denmark | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Pay on Delivery, Klarna & Trustly |
Finland | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Pay on Delivery, Klarna, Trustly, BitPay & MobilePay Online For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS & Sofort |
France | For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, Pay By Bank, Pay on Delivery, Klarna, WeChat Pay & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode For your customers in Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain, you can offer: Satispay Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, Sofort, Trustly & MobilePay Online |
Germany | For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, Pay By Bank, Pay on Delivery, Klarna, Sofort, Trustly, WeChat Pay & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS & MobilePay Online |
Greece | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, IRIS, Pay on Delivery, Viva Wallet, Klarna, BitPay, tbi bank, e-banking (ΔΙΑΣ/DIAS) & Cash (Viva Spot) For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, Sofort, Trustly & MobilePay Online |
Hungary | For all your customers, you can offer: Cards, Apple Pay, Google Pay, Klarna, PayPal & Pay on Delivery |
Ireland | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Pay on Delivery, Klarna, WeChat Pay & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, Sofort, Trustly & MobilePay Online |
Italy | For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, Pay on Delivery, BANCOMAT Pay, Klarna, Sofort, WeChat Pay & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode For your customers in Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain, you can offer: Satispay Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, Trustly & MobilePay Online |
Luxembourg | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, Pay on Delivery, Payconiq, Pay By Bank, WeChat Pay & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode For your customers in Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Spain, you can offer: Satispay Especially for your international customers, you can additionally offer: Bancontact QR, iDEAL, MULTIBANCO, MB WAY, EPS, Sofort, Trustly & MobilePay Online |
Malta | For all your customers, you can offer: Cards, Apple Pay, PayPal, Pay on Delivery, Viva Wallet & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS, Sofort, Trustly & MobilePay Online |
Netherlands | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, iDEAL, Pay By Bank, Pay on Delivery, Klarna, Sofort, Trustly, WeChat Pay & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, MULTIBANCO, MB WAY, EPS & MobilePay Online |
Poland | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, BLIK, Pay on Delivery, Klarna, P24, PayU & Trustly |
Portugal | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, MULTIBANCO, MB WAY, Pay By Bank, Pay on Delivery, Klarna, Trustly & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, EPS, Sofort & MobilePay Online |
Romania | For all your customers, you can offer: Cards, Apple Pay, Google Pay, Pay on Delivery & Klarna |
Spain | For all your customers, you can offer: Cards, Apple Pay, Google Pay, PayPal, PayPal Pay Later, Pay By Bank, Pay on Delivery, Klarna, Sofort, Trustly & BitPay For your customers in Austria and Germany, you can additionally offer: Bluecode Especially for your international customers, you can additionally offer: Bancontact QR, Payconiq, iDEAL, MULTIBANCO, MB WAY, EPS & MobilePay Online |
Sweden | For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, Swish, Pay on Delivery, Klarna & Trustly Especially for your international customers, you can additionally offer: MobilePay Online |
United Kingdom | For all your customers, you can offer: Cards, Apple Pay, Google Pay, Samsung Pay, PayPal, PayPal Pay Later, Pay on Delivery, Klarna, Sofort, Trustly, WeChat Pay & BitPay |
Functionality
Asynchronous payments
Asynchronous payment methods are those in which payments are not confirmed immediately (synchronously). In essence, these rely on a delayed payment notification (via webhooks) before the payment can be confirmed as complete.
It may take up to several days for this confirmation to take place, although in the typical case the payment is confirmed almost immediately. Until the payment is confirmed, it will remain in the status of ‘pending’.
In order to receive a notification when a payment has been confirmed, you can use the Transaction Payment Created and Transaction Failed webhooks for successful and failed payments, respectively.
Please note that you do not need to set up webhooks for the WooCommerce Standard Checkout plugin, the PrestaShop Smart Checkout plugin or the Shopify Smart Checkout plugin, as they are automatically created by the plugins themselves.
The following payment methods are asynchronous:
- Most Local payment methods - BANCOMAT Pay, BitPay, BLIK, EPS, iDEAL, IRIS, MULTIBANCO, MB WAY, P24, Payconiq, PayU, Sofort, Trustly & WeChat Pay
- Most Direct Debit & other payment methods - Pay By Bank, Cash (Viva Spot) & e-banking (ΔΙΑΣ/DIAS)
Cross-border payments
You can accept payments from international customers as follows:
Smart Checkout: 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)
Shopify Smart Checkout plugin: you can accept payments from international customers for all payment methods
WooCommerce Standard Checkout plugin: you can accept payments from international customers for all payment methods
WooCommerce Smart Checkout plugin: you can accept payments from international customers for all payment methods except for local payment methods and Pay By Bank
PrestaShop Smart Checkout plugin: you can accept payments from international customers for all payment methods
OpenCart Smart Checkout plugin: you can accept payments from international customers for all payment methods except for local payment methods and Pay By Bank
Magento Smart Checkout plugin: you can accept payments from international customers for all payment methods except for local payment methods and Pay By Bank
Quick Pay: you can accept payments from international customers for all payment methods except for local payment methods and Pay By Bank
Payment notifications: you can accept payments from international customers for all payment methods except for local payment methods and Pay By Bank
Refunds
All payment methods offer the option to perform a refund via banking app or API, apart from the following exceptions. In these cases, you will need to manually transfer the funds back to the customer’s account via their IBAN:
- BitPay
- Cash (Viva Spot)
- e-banking (ΔΙΑΣ/DIAS)
- Pay on Delivery
Recurring payments
Please see our tutorial on handling recurring payments.
When creating a Smart Checkout payment order with the allowRecurring
parameter set to true, only payment methods which support recurring payments will be displayed to your customers
The following payment methods support this functionality:
- Cards
- Apple Pay
- Google Pay
- Samsung Pay
Pre-authorizations
Please see our tutorial on handling pre-authorizations.
When creating a Smart Checkout payment order with the preauth
parameter set to true, only payment methods which support pre-authorizations will be displayed to your customers
The following payment methods support this functionality:
- Cards
- Apple Pay
- Google Pay
- Samsung Pay
- MobilePay Online
Card installments
Please see our tutorial on handling card installments. This functionality is only available in Greece and only refers to Credit cards.
Please note: If offering installments, the value provided by the merchant is not the number of installments the customer will select, and it is not mandatory for the customer to select installments at all. The process is as follows:
- The merchant indicates the maximum number of installments they wish to offer to the customer
- It is then up to the customer whether they pay with or without installments
- If the customer decides to pay with installments, they are able to select the number of installments (up to the maximum specified by the merchant)
Some payment methods - such as Klarna - offer their own installment options, separate from the ‘card installments’ outlined above
Card Verification
Card Verification functionality allows for a zero-amount payment order to be created, to allow for verification of the customer’s card without any money being taken.
The following card schemes support this functionality:
- Visa
- Mastercard
- Maestro
- Diners Club
- Discover
- (American Express will be supported at a later date)
For more information, please see our Card Verification tutorial.
Mastercard Click to Pay
Mastercard’s ‘Click to Pay’ functionality allows customers to save an eligible Mastercard payment card within their account, allowing for faster and easier use across merchants as well as across devices.
- New users (i.e. customers who have not utilised Mastercard Click to Pay previously) can start using this functionality by entering the details of a valid Mastercard payment card, before reviewing the Click to Pay disclosure at the bottom of the Smart Checkout page, and then selecting the relevant checkbox before proceeding
- Customers who have used Mastercard Click to Pay previously, but have not saved the cards within their browser for future use (via a cookie) will be prompted to authenticate via a One-Time Passcode (OTP) to access their Mastercard Click to Pay cards
- Customers who have opted to save their cards via a browser cookie will be shown their saved cards right away
Please see our Mastercard Click to Pay documentation for further information. Additionally, we have browser-based Customer-side card tokenization, which can be utilized for all types of cards.
Payment methods for POS
The above payment methods are all available for our Smart Checkout solution. Our ‘Viva.com Terminal’ application & Card Terminal Devices support Smart Checkout whilst also allowing for some additional payment options. You can find a full list of POS-supported payment options below, separated into Smart Checkout and Native POS payment methods.
Smart Checkout payment methods
Our POS (Terminal) Apps & Devices allow the merchant to generate a QR code for our Smart Checkout solution. This QR code can be presented to the customer to scan with their mobile device. Once scanned, the customer will be taken to a Smart Checkout payment page, where they can choose their preferred payment method.
Payment Option | Customer Interaction | Merchant Countries |
---|---|---|
Smart Checkout | QR code | All countries (but individual payment methods depend on Country availability) |
As this uses our Smart Checkout solution, functionality is the same as for any other desktop or mobile Smart Checkout page. As such, a wide range of payment methods can be offered, including Cards, Digital wallets, Local payment methods & Direct Debit & other.
Native POS payment methods
Our POS (Terminal) Apps & Devices natively support several other payment methods, namely:
- Card present
- Digital wallets (contactless)
- Alipay
- Klarna (for POS)
- Payconiq (for POS)
- Satispay (for POS)
Card present refers to customer payments using a physical credit/debit card via contactless or via Chip & PIN (for devices with a physical card slot, such as terminals and our mini card reader).
For iOS implementations, Apple Tap to Pay is supported in the following circumstances (further information can be found here):
- The Viva.com Terminal app is on v5.0.0 or above
- The merchant is in a supported country - the UK, the Netherlands, France, Austria, Czech Republic, Ireland, Romania, and Sweden, Italy & Germany currently
- Apple Tap to Pay is supported by and set up on the device
- If in the Demo environment (for testing purposes), a Sandbox Apple Tap to Pay account is required
For merchants in France, the Cartes Bancaires (CB) card scheme is available. This is supported by Viva NEXT terminals and Tap-on-Phone (Android only)
Digital wallets (such as Apple Pay, Google Pay or Samsung Pay) can be also be used to pay via contactless payment.
Alipay, Klarna (for POS) & Payconiq (for POS) all allow the merchant to generate a QR code for the customer to scan with their mobile phone or tablet. The customer can then complete the payment on their device.
Get Support
If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!