Viva.com
Bank-licensed card acquiring with Tap-to-Pay across Europe
Viva.com (formerly Viva Wallet) is a Greek neobank and acquirer offering card terminals, Tap-to-Pay on Android and iPhone, online payments and a business account in 24 European countries. It targets small merchants and hospitality with same-day settlement to a Viva account and a pay-per-use pricing structure. JPMorgan Chase acquired a 48.5% stake in January 2022.
Our reading. Best for small merchants and hospitality venues that trade in one of Viva's 24 European countries and value tap-on-phone acceptance and same-day access to funds.
Strengths
- Presence in 24 European countries with local acquiring
- Tap-to-Pay on phone and unattended options
- Own banking licence (VivaBank) and real-time settlement
Limits
- Fee structure has several tiers and add-ons
- Support quality varies by country according to reviews
Greece's first unicorn, active in 24 European countries, 48.5% owned by JPMorgan since 2022
Founded by Haris Karonis and Makis Antypas; became Greece's first unicorn in January 2022 when JPMorgan bought 48.5%; acquired Praxia Bank in 2020
- 19 Feb 2025 AcquisitionAthens-based Viva.com took a majority stake in Salzburg-based Fiskaltrust, whose API middleware handles cash-register fiscalisation and compliance for more than 100,000 merchants. Viva.com is bundling fiscalisation with its payment acceptance and banking services in Austria, Germany, Greece, Italy, Portugal and Spain.