Pricing
Price pack for Domestic Consumer Cards
Per transaction
1.69%Minimum Fee of 0,03 EUR / 0.06 BGN per transaction applies.
Per transaction
2.19% + 0,13 EUR / 0.25 BGNGet Registered to Receive One of our Tailor-Made Pricing Packs or a Personalised Offer.
In-person payments acquiring fees*
Domestic Consumer Cards. The applied Interchange fee resides at 0.20% for debit/prepaid cards and 0.30% for credit cards for domestic transactions.
| Payment method | Interchange | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
 | 1.69% | – | ||
 | 1.69% | – | ||
 | 1.69% | – | ||
 | 1.69% | – | ||
 | 1.69% | – | ||
*Minimum Fee of 0,03 EUR / 0.06 BGN per transaction applies.
(1)Includes Apple Pay, Google Pay, Samsung Pay and third-party wallets where applicable.
Other Fees
Refund cost
Payment acceptance fees + 0,30 EUR / 0.59 BGN
Cancellation cost
FREE
Mastercard Send
Merchant rebates
Fee per transaction: 0.40%
Max: 0,50 EUR / 0.98 BGN
Min: 0,08 EUR / 0.16 BGN
Visa Direct
Merchant rebates
Fee per transaction: 0.40%
Max: 0,50 EUR / 0.98 BGN
Min: 0,08 EUR / 0.16 BGN
Scheme Behavioral Fees
Download here
In-person payments acquiring fees*
Domestic Commercial cards / European Cards / UK Cards / International Cards - Alternative Payment Methods
| Payment method | Interchange | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
| ✓ | ✓ | 1.10% | – |
| ✓ | ✓ | 1.10% | – |
| ✓ | ✓ | 1.10% | – |
| ✓ | ✓ | 1.10% | – |
| ✓ | ✓ | 1.10% | – |
 | 2,75%** | – | ||
 | ✓ | ✓ | 1.10% | – |
 | ✓ | ✓ | 1,50% | 0,20€ |
| Payment method | Interchange | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
 | 2.40% | – | ||
*Minimum Fee of 0,03 EUR / 0.06 BGN per transaction applies.
**An additional 0,40% applies if the card is issued outside EEA.
(1)Includes Apple Pay, Google Pay, Samsung Pay and third-party wallets where applicable.
Other Fees
Refund cost
Payment acceptance fees + 0,30 EUR / 0.59 BGN
Cancellation cost
FREE
Mastercard Send
Merchant rebates
Fee per transaction: 0.40%
Max: 0,50 EUR / 0.98 BGN
Min: 0,08 EUR / 0.16 BGN
Visa Direct
Merchant rebates
Fee per transaction: 0.40%
Max: 0,50 EUR / 0.98 BGN
Min: 0,08 EUR / 0.16 BGN
Scheme Behavioral Fees
Download here
viva.com Account
Omnichannel Payment Plans (monthly subscription)
- ✓
Zero: 0,00 EUR / 0,00 BGN*
Terminal IDs: per item**
Websites: per item**
Digital Cards: unlimited
Real Time Settlement: yes
Users: per user***
*min monthly charge 4,99 EUR / 9,76 BGN
- ✓
Default: 4,99 EUR / 9,76 BGN
Terminal IDs: up to 3**
Websites: up to 1**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 4
Users: 2***
- ✓
Standard: 12,99 EUR / 25,40 BGN
Terminal IDs: up to 10**
Websites: up to 3**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 15
Users: 3***
- ✓
Premium: 19,99 EUR / 39,10 BGN
Terminal IDs: up to 20**
Websites: up to 5**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 30
Users: 5***
**Cost per extra Terminal ID & websites:
Monthly charge: 2,00 EUR / 3,91 BGN
***Cost per extra User
Monthly charge: 1,00 EUR / 1,96 BGN
The monthly fee is charged on the last day of each calendar month. During a calendar month, the user is entitled to choose an upgraded package with immediate effect or a lower package that will be effective from the following month.
- ✓
In-Person Payment Plans (monthly subscription)
- ✓
Zero: 0,00 EUR / 0,00 BGN*
Terminal IDs: per item**
Digital Cards: unlimited
Real Time Settlement: yes
Users: per user***
*min monthly charge 4,99 EUR / 9,76 BGN
- ✓
Default: 4,99 EUR / 9,76 BGN
Terminal IDs: up to 3**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 4
Users: 2***
- ✓
Standard: 12,99 EUR / 25,40 BGN
Terminal IDs: up to 10**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 15
Users: 3***
- ✓
Premium: 19,99 EUR / 39,10 BGN
Terminal IDs: up to 20**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 30
Users: 5***
**Cost per extra Terminal ID:
Monthly charge: 2,00 EUR / 3,91 BGN
***Cost per extra User
Monthly charge: 1,00 EUR / 1,96 BGN
The monthly fee is charged on the last day of each calendar month. During a calendar month, the user is entitled to choose an upgraded package with immediate effect or a lower package that will be effective from the following month.
- ✓
Ecommerce Payment Plans (monthly subscription)
- ✓
Zero: 0,00 EUR / 0,00 BGN*
Websites: per item**
Digital Cards: unlimited
Real Time Settlement: yes
Users: per user***
*min monthly charge 4,99 EUR / 9,76 BGN
- ✓
Default: 4,99 EUR / 9,76 BGN
Websites: up to 1**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 4
Users: 2***
- ✓
Standard: 12,99 EUR / 25,40 BGN
Websites: up to 3**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 15
Users: 3***
- ✓
Premium: 19,99 EUR / 39,10 BGN
Websites: up to 5**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 30
Users: 5***
**Cost per extra Terminal ID & websites:
Monthly charge: 2,00 EUR / 3,91 BGN
***Cost per extra User
Monthly charge: 1,00 EUR / 1,96 BGN
The monthly fee is charged on the last day of each calendar month. During a calendar month, the user is entitled to choose an upgraded package with immediate effect or a lower package that will be effective from the following month.
- ✓
Support Level (monthly subscription)
- ✓
Default: FREE
Support level: Digital Agent Chat (AI)
- ✓
Standard: 4,99 EUR / 9,76 BGN
Support level: Digital /Human Agent Chat
- ✓
Premium: 19,99 EUR / 39,10 BGN
Support level: Chat/Call/ Video (Human Appointment)
The monthly fee is charged on the last day of each calendar month. During a calendar month, the user is entitled to choose an upgraded package with immediate effect or a lower package that will be effective from the following month.
- ✓
Account Information
- ✓
Account with IBAN (GR) with unlimited free incoming transfers:
10,00 EUR / 19,56 BGN (per month)or
1) up to 5.000,00 EUR / 9.779,15 BGN: 0,50 EUR / 0,98 BGN
2) from 5.000,01 EUR / 9.779,16 BGN to 10.000,00 EUR / 19.558,30 BGN: 2,00 EUR / 3,91 BGN
3) from 10.000,01 EUR / 19.558,31 BGN to 20.000,00 EUR / 39.116,60 BGN: 3,00 EUR / 5,87 BGN
4) over 20.000,01 EUR / 39.116,61 BGN: 4,50 EUR / 8,80 BGN
- ✓
Transfer money to any Bulgarian bank account
0,80 EUR / 1,56 BGN
- ✓
Cash withdrawal fee
2% of transaction value (minimum 1,00 EUR / 1,96 BGN, maximum 5,00 EUR / 9,78 BGN)
first 3 withdrawals or first 1.000,00 EUR / 1.955,83 BGN per calendar month: FREE
- ✓
Foreign currency transaction fees
3% on transaction value
- ✓
Cash Withdrawals
400,00 EUR / 782,33 BGN per day
10.000,00 EUR / 19.558,30 BGN per month
- ✓
viva.com digital business debit card
FREE
- ✓
Order of a physical viva.com debit card
Monthly fee: 2,99 EUR / 5,85 BGN
- ✓
Account Charging
- ✓
Visa, Mastercard, Maestro
1,9% + 0,10 EUR / 0,20 BGN (minimum charge 0,30 EUR / 0,59 BGN)
- ✓
American Express
2,9% + 0,10 EUR / 0,20 BGN (minimum charge 0,30 EUR / 0,59 BGN)
- ✓
Merchant's Breach & Investigation Fees - (in case of potential frauds)
- ✓
Merchant's Breach Fee
A Merchant's Breach Fee is applicable, in the event of verified fraudulent activities.
350,00 EUR / 684,54 BGN
- ✓
Account Investigation Fee
250,00 EUR / 488,96 BGN
- ✓
Card Investigation Transaction Fee
20,00 EUR / 39,12 BGN per transaction
- ✓
Payout Investigation Transaction Fee
20,00 EUR / 39,12 BGN per transaction
- ✓
Confiscations
200,00 EUR / 391,17 BGN per confiscation
- ✓
Dispute Fees
- ✓
Disputes/ Chargeback
20,00 EUR / 39,12 BGN per Lost Transaction
- ✓
Banking Products Price list
- ✓
Deposit Products
See here
- ✓
The above pricing is effective as of 21/5/2026 10:00 EET. Pricing updates on a monthly basis.