Real-Time Settlement
Get paid within minutes, 365 days a year, even on weekends and public holidays.
What is Real-Time Settlement?
Real-Time Settlement allows businesses and merchants to receive card payment funds directly into their Viva.com Account within minutes. This fast payment settlement solution helps businesses access their money sooner, improve cash flow and manage payments more efficiently – with no additional setup required.
How does it work?
Get paid in minutes, not days: Real-time Settlement explained
Step 01
Customer makes payment
Your customer wraps up their purchase, whether they're shopping in-store or browsing your online shop.
Step 02
Fast payments, every day
Your transactions are processed in minutes and deposited straight into your Viva.com Account, even on weekends and holidays.
Step 03
Continuous cash flow
Your funds are always available in your Viva.com Account. Keep them there and earn back your transaction fees when you use your Viva.com Debit Card for business expenses.
Built for how you work
Pay suppliers on time
Friday night sales are in your account within minutes, so suppliers are paid before the weekend.
Cover payroll and bills
Get funds the same day, even on weekends and holidays, and pay your team on time.
Make the most of peak days
Turn a busy Saturday into usable cash that evening and restock for Sunday.
Keep your store stocked
Reinvest in inventory or ads the same day your sales come in.
How businesses across Europe benefit from Real-Time Settlement
Get more from your Viva.com Account
Transaction Fees
Minimise Transaction Fees by using the Viva.com Business Debit Card for your expenses.
Offline Payments
Offline? No problem. Our Offline Payments feature ensures uninterrupted service during Internet outages.