Viva.com Expands to 29 European Countries

Viva.com, the first Tech Bank in Europe for businesses, has extended its European operations to Estonia, Latvia, Lithuania, Slovakia and Slovenia, bringing its total footprint to 29 countries. The activation gives businesses across the Baltic states and Central Europe access to Viva.com’s integrated platform, which combines payment acceptance, banking services, and a full suite of financing solutions.

Vagelis Kollintzas, Group Deputy CEO, Viva.com, commented:

“These five markets complete our European footprint. Businesses and partners across the EU and UK now have access to the same integrated platform, with payments, banking, and financing built around how they actually operate. This is Viva.com at full strength: a profitable, growing business with a presence across 29 European countries."

The expansion follows a year of significant financial progress. Full-year 2025 revenue grew 26% to €258.6 million, gross profit increased by 34% to €119.3 million, and Adjusted EBITDA turned positive - a year-on-year improvement of more than €42 million. Q1 2026 revenue continues to grow at 28%.

Viva.com brings together omnichannel payment acceptance, a full banking licence, and tailored financing, such as working capital, and advance booking factoring, on a single integrated platform. Transaction data, KYC, and real-time trading performance feed directly into credit decisions, so financing is available without separate applications or onboarding delays, and repayments move with payment acceptance flows. AI is embedded across the platform, from onboarding and KYC through to credit assessment and customer operations. Viva.com connects directly to all major European card schemes and payment methods. Its Tap on Any Device technology enables payment acceptance on any Android device or iPhone, while integrations with over 400 software and hardware partners mean businesses can access all-in-one solutions and scale across borders without rebuilding infrastructure for each market.