Pay By Bank

Information on the Pay By Bank payment method.


What is “Pay by Bank”?

Pay by Bank allows a customer to pay online instantly and directly from their bank account. Pay by bank follows Open Banking standards and applies a high level of security.

How does “Pay by Bank” work?

The customer will be securely redirected to their Pay By Bank app where they will be able to authorise the payment with no need to share any sensitive details. The customer will be protected by end-to-end encryption.

Why is “Pay by Bank” recommended?

Pay by Bank is secure and instant and relies on the customer’s bank account. They will not need to share or save their card details. Payment is processed via SEPA transfer and operates for most European banks.

Some of the main benefits of offering Pay By Bank as a payment method are:

User Experience


At the checkout, the customer selects “Pay By Bank” as their preferred payment method and - optionally - fills the form with his/her email and name details:

Pay By Bank - User Journey - 1

After clicking the “Select bank” button, a list of eligible banks will appear. The customer can select his/her bank and can also easily search for it by entering the bank’s name in the search box:

Pay By Bank - User Journey - 2

The customer is then redirected to his/her Bank account in order to sign in and confirm the payment:

Pay By Bank - User Journey - 6


Please also see our videos below, outlining the desktop and mobile use of Pay By Bank:



Mobile (Portugal):


How to activate Pay By Bank

Environment Activation details
Production This payment method is available upon positive review of your request. For more information, please contact your Viva sales representative. Alternatively, you can contact us directly via our live chat facility, by simply clicking on the live chat icon in the bottom right-hand corner of this page.
Demo This payment method is unavailable on demo environment.

Merchant Categories

There are some merchant categories that are not eligible to have Pay By Bank activated. If your business is in one of these categories, you will not be able to accept payments through Pay By Bank:

Merchant Category (MCC) Description
4812 Telecommunication Equipment Including Telephone Sales
4814 Telecommunication Services including but not limited to prepaid phone services and recurring phone services
4816 Computer Network/Information Services
4899 Wire Transfer Money Orders (V, D, G, X) Money Transfer (M)
5122 Drugs, Drug Proprietors and Druggists Sundries
5912 Drug Stores and Pharmacies
5966 Direct Marketing–Outbound Telemarketing Merchants
5967 Direct Marketing–Inbound Teleservices Merchants
5993 Cigar Stores and Stands
6051 Quasi Cash–Merchant
7841 VD/Video Tape Rental Stores

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. Please see our payment method messaging guide for more details on why and where we would recommend adding this information to your site.

If desired, you can download and use this icon on your site or online store, in order to show customers you offer Pay By Bank as a payment method:

Payment Method Icon - Pay By Bank

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!