Pricing

Price pack for Domestic Consumer Cards

Card Present

Per transaction

1.69%

Minimum Fee of 0.06 BGN per transaction applies.

Online Payments

Per transaction

2.19% + 0.25 BGN

Get Registered to Receive One of our Tailor-Made Pricing Packs or a Personalised Offer.

Card Present 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	Processing Fee
Visa(1)	1.69%	–
Mastercard(1)	1.69%	–
Maestro(1)	1.69%	–
Diners(1)	1.69%	–
Discover(1)	1.69%	–

*Minimum Fee of 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 + 0.60 BGN

Cancellation cost

FREE

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Card Present Acquiring Fees*

Domestic Commercial cards / European Cards / UK Cards / International Cards - Alternative Payment Methods

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa(1)	✓	✓	1.10%	–
Mastercard(1)	✓	✓	1.10%	–
Maestro(1)	✓	✓	1.10%	–
Diners(1)	✓	✓	1.10%	–
Discover(1)	✓	✓	1.10%	–
Amex(1)	2.20%		0.30%	–
Alipay	2.40%			–
JCB**	✓	✓	1.10%	–

*Minimum Fee of 0.06 BGN per transaction applies.

**Not applicable to individuals.

(1)Includes Apple Pay, Google Pay, Samsung Pay and third-party wallets where applicable.

Other Fees

Refund cost

Payment acceptance fees + 0.60 BGN

Cancellation cost

FREE

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Online 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	Processing Fee
Visa(1)	2.19%	0.25 BGN
Mastercard(1)	2.19%	0.25 BGN
Maestro(1)	2.19%	0.25 BGN
Diners(1)	2.19%	0.25 BGN
Discover(1)	2.19%	0.25 BGN

(1)Includes Apple Pay, Google Pay, Samsung Pay and third-party wallets where applicable.

When using certain official plugins for eCommerce platforms a surcharge of 0.35% may apply.

Other Fees

Refund cost

Payment acceptance fees + 0.60 BGN

Cancellation cost

FREE

3d secure authentication

0.06 BGN per attempt

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Online 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
Visa(1)	✓	✓	1.90%	0.25 BGN
Mastercard(1)	✓	✓	1.90%	0.25 BGN
Maestro(1)	✓	✓	1.90%	0.25 BGN
Diners(1)	✓	✓	1.90%	0.25 BGN
Discover(1)	✓	✓	1.90%	0.25 BGN
Amex(1)	2.20%		0.50%	0.25 BGN
JCB**	✓	✓	1.10%	0.25 BGN

Alternative Payment Methods**
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Pay on Delivery	–			0.20 BGN

**Not applicable to individuals.

(1)Includes Apple Pay, Google Pay, Samsung Pay and third-party wallets where applicable.

When using certain official plugins for eCommerce platforms a surcharge of 0.35% may apply.

Other Fees

Refund cost

Payment acceptance fees + 0.60 BGN

Cancellation cost

FREE

Card Verification (with Zero Amount)

0.10 BGN

3d secure authentication

0.06 BGN per attempt

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Over The Phone – Acquiring Fee*

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	Processing Fee
Visa	2.19%	0.25 BGN
Mastercard	2.19%	0.25 BGN
Maestro	2.19%	0.25 BGN
Diners	2.19%	0.25 BGN
Discover	2.19%	0.25 BGN

*Relates to Virtual Terminal and MOTO.

Other Fees

Refund cost

Payment acceptance fees + 0.60 BGN

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Over The Phone – Acquiring Fee*

Domestic Commercial cards / European Cards / UK Cards / International Cards

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa	✓	✓	1.90%	0.25 BGN
Mastercard	✓	✓	1.90%	0.25 BGN
Maestro	✓	✓	1.90%	0.25 BGN
Diners	✓	✓	1.90%	0.25 BGN
Discover	✓	✓	1.90%	0.25 BGN
Amex	2.20%		0.50%	0.25 BGN
JCB	✓	✓	1.10%	0.25 BGN

Alternative Payment Methods**
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Pay on Delivery	–			0.20 BGN

*Relates to Virtual Terminal and MOTO.

Other Fees

Refund cost

Payment acceptance fees + 0.60 BGN

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 0.98 BGN

Min: 0.16 BGN

viva.com Account

Plans (monthly subscription)
- ✓
  Zero: 0,00 BGN*
  Terminal IDs & websites: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  
  *min monthly charge 9,80 BGN
  
  (Available from: 19/07/2024)
- ✓
  Default: 9,80 BGN
  Terminal IDs & websites up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
- ✓
  Standard: 25,40 BGN
  Terminal IDs & websites: up to 10**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
- ✓
  Premium: 39,20 BGN
  Terminal IDs & websites: up to 20**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 30
  
  **Cost per extra terminal ID & websites, viva.com | Smart Checkout:
  Monthly charge: 4 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: 9,80 BGN
  Support level: Digital /Human Agent Chat
- ✓
  Premium: 39,20 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
- ✓
  Transfer money to any Bulgarian bank account
  1,60 BGN
- ✓
  Cash withdrawal fee
  2% of transaction value (minimum 2.00 BGN, maximum 10.00 BGN)
  first 3 withdrawals or first 2 000,00 BGN per calendar month: FREE
- ✓
  Foreign currency transaction fees
  3% on transaction value
- ✓
  Cash Withdrawals
  800 BGN per day
  20 000 BGN per month
  40 000 BGN per rolling 12-month period
- ✓
  viva.com digital business debit card
  FREE
- ✓
  Order of a physical viva.com debit card
  Monthly fee: 6,00 BGN
- ✓
  IBAN designator (GR)
  Monthly charge: 20,00 BGN
Account Charging
- ✓
  Visa, Mastercard, Maestro
  1,9% + 0,1 BGN (minimum charge 0,3 BGN)
- ✓
  American Express
  2,9% + 0,1 BGN (minimum charge 0,3 BGN)
  
  Effective since: 12/07/2024
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.
  700 BGN
- ✓
  Account Investigation Fee
  500 BGN
- ✓
  Card Investigation Transaction Fee
  50 BGN/ transaction
- ✓
  Payout Investigation Transaction Fee
  50 BGN/ transaction
- ✓
  Confiscations
  392 BGN (per confiscation)
Dispute Fees
- ✓
  Disputes/ Chargeback
  20 BGN per Lost Transaction

The above pricing is effective as of 01/08/2024 00:00 CET. Pricing updates on a monthly basis.

Pricing

Price pack for Domestic Consumer Cards

Card Present Acquiring Fees*

Card Present Acquiring Fees*

Online Payments Acquiring Fees

Online Payments Acquiring Fees

Over The Phone – Acquiring Fee*

Over The Phone – Acquiring Fee*

viva.com Account

Plans (monthly subscription)

Support Level (monthly subscription)

Account Information

Account Charging

Merchant's Breach & Investigation Fees - (in case of potential frauds)

Dispute Fees