Pricing

Price pack for Domestic Consumer Cards

Card Present

Per transaction

1.69%

Minimum Fee of 0,03 EUR / 0.06 BGN per transaction applies.

Online Payments

Per transaction

2.19% + 0,13 EUR / 0.25 BGN

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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 0,03 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

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)	2,75%**			–
JCB	✓	✓	1.10%	–

Alternative Payment Methods
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Alipay	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

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%	0,13 EUR / 0.25 BGN
Mastercard(1)	2.19%	0,13 EUR / 0.25 BGN
Maestro(1)	2.19%	0,13 EUR / 0.25 BGN
Diners(1)	2.19%	0,13 EUR / 0.25 BGN
Discover(1)	2.19%	0,13 EUR / 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 + 0,30 EUR / 0.59 BGN

Cancellation cost

FREE

3d secure authentication

0,03 EUR / 0.06 BGN per attempt

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

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%	0,13 EUR / 0.25 BGN
Mastercard(1)	✓	✓	1.90%	0,13 EUR / 0.25 BGN
Maestro(1)	✓	✓	1.90%	0,13 EUR / 0.25 BGN
Diners(1)	✓	✓	1.90%	0,13 EUR / 0.25 BGN
Discover(1)	✓	✓	1.90%	0,13 EUR / 0.25 BGN
Amex(1)	2.95%*			0,13 EUR / 0.25 BGN
JCB	✓	✓	1.10%	0,13 EUR / 0.25 BGN

Alternative Payment Methods
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Pay on Delivery	–			0,10 EUR / 0.20 BGN

*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.

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

Other Fees

Refund cost

Payment acceptance fees + 0,30 EUR / 0.59 BGN

Cancellation cost

FREE

Card Verification (with Zero Amount)

0,05 EUR / 0.10 BGN

3d secure authentication

0,03 EUR / 0.06 BGN per attempt

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

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%	0,13 EUR / 0.25 BGN
Mastercard	2.19%	0,13 EUR / 0.25 BGN
Maestro	2.19%	0,13 EUR / 0.25 BGN
Diners	2.19%	0,13 EUR / 0.25 BGN
Discover	2.19%	0,13 EUR / 0.25 BGN

*Relates to Virtual Terminal and MOTO.

Other Fees

Refund cost

Payment acceptance fees + 0,30 EUR / 0.59 BGN

Cancellation cost

FREE

Daily Sales Clearance

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

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%	0,13 EUR / 0.25 BGN
Mastercard	✓	✓	1.90%	0,13 EUR / 0.25 BGN
Maestro	✓	✓	1.90%	0,13 EUR / 0.25 BGN
Diners	✓	✓	1.90%	0,13 EUR / 0.25 BGN
Discover	✓	✓	1.90%	0,13 EUR / 0.25 BGN
Amex	2.95%**			0,13 EUR / 0.25 BGN
JCB	✓	✓	1.10%	0,13 EUR / 0.25 BGN

Alternative Payment Methods
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Pay on Delivery	–			0,10 EUR / 0.20 BGN

*Relates to Virtual Terminal and MOTO.

**An additional 0,40% applies if the card is issued outside EEA.

Other Fees

Refund cost

Payment acceptance fees + 0,30 EUR / 0.59 BGN

Cancellation cost

FREE

Daily Sales Clearance

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

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
  20.000,00 EUR / 39.116,60 BGN per rolling 12-month period
- ✓
  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 22/1/2026 15:00 EET. 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

Omnichannel Payment Plans (monthly subscription)

In-Person Payment Plans (monthly subscription)

Ecommerce Payment Plans (monthly subscription)

Support Level (monthly subscription)

Account Information

Account Charging

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

Dispute Fees

Banking Products Price list