Pricing
Price pack for UK Consumer Cards
Per transaction
1.69%A Minimum Fee of £0.01* per transaction applies.
*(£0.10 applies for viva.com Terminal app users).
Per transaction
2.19% + 24pGet Registered to Receive One of our Tailor-Made Pricing Packs or a Personalised Offer.
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 | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
 | 1.69% | – | ||
 | 1.69% | – | ||
 | 1.69% | – | ||
 | 1.69% | – | ||
 | 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
Scheme Behavioral Fees
Download here
Card Present Acquiring Fees*
UK Commercial Cards - European Cards - International Cards - Alternative Payment Methods
| Payment method | Interchange | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
| ✓ | ✓ | 1.16% | – |
| ✓ | ✓ | 1.16% | – |
| ✓ | ✓ | 1.16% | – |
| ✓ | ✓ | 1.16% | – |
| ✓ | ✓ | 1.16% | – |
 | 2,65%** | – | ||
 | ✓ | ✓ | 1.10% | – |
| Payment method | Interchange | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
4.99% | £0.30 | |||
 | 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
Scheme Behavioral Fees
Download here
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
- ✓
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 5/3/2026 16:00 EET. Pricing updates on a monthly basis.