From checkout to cash flow: rethinking the role of payments in retail
9 November 2026
Payments used to sit at the end of the retail journey. Today, they increasingly shape what happens across it, from conversion and operational efficiency to cash flow and access to financing. Ahead of Tech for Retail in Paris, Viva.com looks at what that means for retailers.
Consider a retailer operating stores in Paris and Madrid alongside an e-commerce business. Instead of managing separate acquiring relationships, settlement cycles, payment reporting and financing arrangements market by market, a connected infrastructure can bring together how the retailer accepts money, manages it and accesses working capital. The question is no longer just how retailers accept payments, but how much more value they can generate from every transaction.
From fragmented systems to connected commerce
Viva.com’s model is built around this shift. As the first Tech Bank in Europe for businesses, it brings payments, banking, financing and business tools together on the same infrastructure across 31 European countries. For French retailers, that European scale is combined with local payment infrastructure, including direct connectivity to CB and Conecs, while Wero is being introduced as the next layer in Europe's evolving payment landscape.
One payment layer across every channel
Viva.com’s offering is built around omnichannel acceptance, connecting in-store, mobile and online payments. Its Tap on Any Device technology turns more than 1,500 Android device types and iPhones into secure payment terminals, while flexible POS integrations and compatible hardware adapt to different checkout environments.
Online, Smart Checkout, also integrated with leading commerce platforms including Magento and PrestaShop, adapts to customers’ preferred payment methods, achieving conversion rates of up to 97.2%. Retailers can also improve the economics of foreign card transactions through Dynamic Currency Conversion, while reducing transaction fees to 0% through cashback on Viva.com business debit cards.
Beyond checkout, real-time settlement turns transactions into available cash flow 365 days a year. For retailers managing multiple stores, terminals and online channels, a single back office provides centralized oversight, while ERP integrations, including Odoo, reduce the manual work required to match payments with financial records.
When payments become a route to working capital
This is where the connection between payments and financing becomes more powerful. With payments and banking on the same infrastructure, real-time trading performance can support access to working capital. Eligible merchants can access Viva.com’s financing solutions within the same ecosystem they use to get paid, without turning to a separate provider or managing a disconnected process. Financing is structured around the needs of the business, with repayments linked directly to payment flows.
Meet Viva.com at Tech for Retail
Tech for Retail takes place on 30 November and 1 December 2026 at Paris Expo Porte de Versailles. The Viva.com team will be at Stand J94, Hall 7.2, demonstrating how omnichannel payments, banking and financing can come together on one platform.
Find out more about Viva.com at Tech for Retail here and get your badge to meet with the Viva.com team.