RF Code Payments

RF Code Payments let customers pay by bank transfer using a unique 20-digit RF Payment Code, without needing your IBAN. (Greek merchants only)

• Overview
• Customer payment flow
• API implementation
• Exact amount vs open amount
• Get Support

Overview

The RF Payment Code (also referred to as a Payment Code or Reference Number) is a unique 20-digit code that enables a customer to complete a bank transfer payment without requiring the merchant’s IBAN.

When Bank Transfer is selected as the payment method, Viva generates a Payment Code in the following format:

RF769115659900000000xxxxx

The Payment Code is displayed in: - Payment Identity / Payment Instructions - the order confirmation email sent to the customer

Customer payment flow

To complete the payment, the customer:

1. Opens their bank transfer flow using a supported Greek bank where they hold an account.
2. Transfers the amount shown in the Payment Identity / confirmation email.
3. Enters the 20-digit RF Payment Code in the bank transfer reference/remarks field.
4. Confirms the transfer.

All the customer needs to provide is the 20-digit RF Payment Code (as the transfer reference).

API implementation

Step 1 — Create a Payment Order

Create a payment order using the Create Order endpoint:

• Endpoint: POST /checkout/v2/orders
• Docs: Viva Documentation

When the payment order is successfully created, the response includes an orderCode.

Step 2 — Generate the RF Payment Code

Generate the RF Payment Code using the RF Code Payments endpoint:

• Endpoint: POST /web2/checkout/v2/paymentsessions
• Docs: Viva Documentation

This request returns the RF Payment Code, which the customer can then use to pay via bank transfer.

Exact amount vs open amount

During payment order creation, the disableExactAmount parameter controls whether the generated RF Payment Code is tied to a specific amount.

disableExactAmount = false (Exact amount — recommended)

• The RF Payment Code is locked to the payment order amount.
• The bank will accept only the exact amount.
• Any deviation may be rejected.

disableExactAmount = true (Open amount)

• The RF Payment Code is not amount-restricted.
• The customer may complete the payment using any amount, and the bank will accept it.

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!