Pricing

Price pack for UK Consumer Cards

Card Present

Per transaction

1.69%

A Minimum Fee of £0.01* per transaction applies.
*(£0.10 applies for viva.com Terminal app users).

Online Payments

Per transaction

2.19% + 24p

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Card Present Acquiring Fees*

UK 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%	–

*A Minimum Fee of £0.01 per transaction applies (£0.10 per transaction applies for viva.com | Terminal users).

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

Other Fees

Refund cost

Payment acceptance fees + £0.30

Cancellation cost

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Card Present Acquiring Fees*

UK Commercial Cards - European Cards - International Cards - Alternative Payment Methods

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa(1)	✓	✓	1.16%	–
Mastercard(1)	✓	✓	1.16%	–
Maestro(1)	✓	✓	1.16%	–
Diners(1)	✓	✓	1.16%	–
Discover(1)	✓	✓	1.16%	–
Amex(1)	2,65%**			–
JCB	✓	✓	1.10%	–

Alternative Payment Methods
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Klarna	4.99%			£0.30
Alipay	2.40%			–

*A Minimum Fee of £0.01 per transaction applies (£0.10 per transaction applies for viva.com | Terminal users).

**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

Cancellation cost

FREE

Refund cost Klarna

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Online Payments Acquiring Fees

UK 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%	£0.24
Mastercard(1)	2.19%	£0.24
Maestro(1)	2.19%	£0.24
Diners(1)	2.19%	£0.24
Discover(1)	2.19%	£0.24

(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

Cancellation cost

FREE

3d secure authentication

£0.03 per attempt

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Online Payments Acquiring Fees

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

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa(1)	✓	✓	2.06%	£0.24
Mastercard(1)	✓	✓	2.06%	£0.24
Maestro(1)	✓	✓	2.06%	£0.24
Diners(1)	✓	✓	2.06%	£0.24
Discover(1)	✓	✓	2.06%	£0.24
Amex(1)	2.95%*			£0.24
JCB	✓	✓	1.10%	£0.24
PayPal(2)	0.10%

Alternative Payment Methods
Payment method	Interchange	Processing Fee
Klarna	4.99%	£0.30
Bitpay	1.25%	£0.22
SOFORT Banking	1.20%	£0.14
WeChat Pay	1.75%	£0.22
Trustly(3)	0.99%	–
Pay on Delivery	–	£0.09

*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.

(2)Includes Pay Later. Processing fee charged to your Profile account, excluding any fees PayPal may charge to your PayPal account.

(3)A minimum fee of £0.46 applies.

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

Other Fees

Refund cost

Payment acceptance fees + £0.30

Cancellation cost

FREE

Refund cost Klarna

FREE

Refund cost SOFORT Banking

£0.35

Refund cost WeChat Pay

£0.27

Refund cost Trustly

£0.53

Card Verification (with Zero Amount)

£0.04

3d secure authentication

£0.03 per attempt

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Over the Phone - Acquiring Fees*

UK 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%	£0.24
Mastercard	2.19%	£0.24
Maestro	2.19%	£0.24
Diners	2.19%	£0.24
Discover	2.19%	£0.24

*Relates to Virtual Terminal and MOTO.

Other Fees

Refund cost

Payment acceptance fees + £0.30

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Over the Phone - Acquiring Fees*

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

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa	✓	✓	2.06%	£0.24
Mastercard	✓	✓	2.06%	£0.24
Maestro	✓	✓	2.06%	£0.24
Diners	✓	✓	2.06%	£0.24
Discover	✓	✓	2.06%	£0.24
Amex	2.95%			£0.24
JCB	✓	✓	1.10%	£0.24

*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

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0.40%

Max: £0.44

Min: £0.07

viva.com Account

Omnichannel Payment Plans (monthly subscription)
- ✓
  Zero: £0.00*
  Terminal IDs & websites: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  Users: per user***
  *min monthly charge £3.99
- ✓
  Default: £3.99
  Terminal IDs: up to 3**
  Websites: up to 1**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
  Users: 2***
- ✓
  Standard: £10.99
  Terminal IDs: up to 10**
  Websites: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
  Users: 3***
- ✓
  Premium: £15.99
  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: £1.70
  
  ***Cost per extra User
  Monthly charge: £0.85
  
  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*
  Terminal IDs: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  Users: per user***
  *min monthly charge £3.99
- ✓
  Default: £3.99
  Terminal IDs: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
  Users: 2***
- ✓
  Standard: £10.99
  Terminal IDs:: up to 10**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
  Users: 3***
- ✓
  Premium: £15.99
  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: £1.70
  
  ***Cost per extra User
  Monthly charge: £0.85
  
  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*
  Websites: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  Users: per user***
  *min monthly charge £3.99
- ✓
  Default: £3.99
  Websites: up to 1**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
  Users: 2***
- ✓
  Standard: £10.99
  Websites: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
  Users: 3***
- ✓
  Premium: £15.99
  Websites: up to 5**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 30
  Users: 5***
  
  **Cost per extra website:
  Monthly charge: £1.70
  
  ***Cost per extra User
  Monthly charge: £0.85
  
  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: £3.99
  Support level: Digital /Human Agent Chat
- ✓
  Premium: £15.99
  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
  Applies to any UK bank account
  0.80p
- ✓
  Cash Withdrawal fee
  2% of transaction value (minimum £1.00, maximum £5.00)
  first 3 withdrawals or first £1.000 per calendar month: FREE
- ✓
  Foreign currency transaction fees
  3% on transaction value
- ✓
  Cash Withdrawals
  Applies to viva.com cards
  £400 per day
  £10,000 per month
  £20,000 per rolling 12-month period
- ✓
  viva.com digital business debit card
  FREE
- ✓
  Physical viva.com debit card
  Monthly fee: £2.99
- ✓
  Account Number and Sort Code
  Monthly charge: £10.00
Account Charging
- ✓
  Visa, Mastercard, Maestro
  1.9% + £ 0.1 (minimum charge £0.3)
- ✓
  American Express
  2.9% + £ 0.1 (minimum charge £0.3)
Merchant's Breach & Investigation Fees
- ✓
  Merchant's Breach Fee
  A Merchant's Breach Fee is applicable, in the event of verified fraudulent activities.
  £350
- ✓
  Account Investigation Fee
  £250
- ✓
  Card Investigation Transaction Fee
  £20.00 per transaction
- ✓
  IBAN Investigation Transaction Fee
  £20.00 per transaction
- ✓
  Confiscations
  £159.99 (per confiscation)
Dispute Fees
- ✓
  Disputes/ Chargeback
  £20 per Lost Transaction

The above pricing is effective as of 1/2/2025 00:00 EET. Pricing updates on a monthly basis.

Pricing

Price pack for UK Consumer Cards

Card Present Acquiring Fees*

Card Present Acquiring Fees*

Online Payments Acquiring Fees

Online Payments Acquiring Fees

Over the Phone - Acquiring Fees*

Over the Phone - Acquiring Fees*

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

Dispute Fees