Pricing
Price pack for Domestic & European Economic Area Consumer Cards
Per transaction*
1,69%Minimum Fee of 0,03€ per transcaction applies.
Per transaction*
2,19% + 0,24€*Per transaction
0,50%For transactions with domestic consumer cards, valued at up to 20€, (Law 5167/2024 - Article 50 - Amendment of paragraph 1 of Article 64 of Law 5108/2024).
In-person payments acquiring fees*
Domestic & European Economic Area 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% | – | ||
*Minimum Fee of 0,03€ per transaction applies.
(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: 0,50€
Min: 0,08€
Visa Direct
Merchant rebates, Fast refunds, Marketplace payouts
Fee per transaction: 0,40%
Max: 0,50€
Min: 0,08€
Scheme Behavioral Fees
Download here
In-person payments acquiring fees*
Domestic & ΕΕΑ Commercial cards / European Cards / UK 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% | – |
 | 2,95%** | – | ||
 | ✓ | ✓ | 1,10% | – |
 | ✓ | ✓ | 1,50% | 0,20€ |
| Payment method | Interchange | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
 | 0,60% | |||
 | 4,99% | 0,35€ | ||
 | 2,40% | – | ||
*Minimum Fee of 0,03€ per transaction applies.
**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)Maximum fee of 0,50€ per transaction for individuals, sole proprietors, and freelancers, for amounts up to 5,000€ per day, according to Law 5167/2024.
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: 0,50€
Min: 0,08€
Visa Direct
Merchant rebates, Fast refunds, Marketplace payouts
Fee per transaction: 0,40%
Max: 0,50€
Min: 0,08€
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 4,99€
- ✓
Default: 4,99€
Terminal IDs: up to 3**
Websites: up to 1**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing SEPA Credit Transfers: 4
Users: 2***
- ✓
Standard: 12,99€
Terminal IDs: up to 10**
Websites: up to 3**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing SEPA Credit Transfers: 15
Users: 3***
- ✓
Premium: 19,99€
Terminal IDs: up to 20**
Websites: up to 5**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing SEPA Credit Transfers: 30
Users: 5***
**Cost per extra Terminal ID & websites:
Monthly charge: 2,00€***Cost per extra User
Monthly charge: 1,00€
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 4,99€
- ✓
Default: 4,99€
Terminal IDs: up to 3**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing SEPA Credit Transfers: 4
Users: 2***
- ✓
Standard: 12,99€
Terminal IDs: up to 10**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing SEPA Credit Transfers: 15
Users: 3***
- ✓
Premium: 19,99€
Terminal IDs: up to 20**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing SEPA Credit Transfers: 30
Users: 5***
**Cost per extra Terminal ID:
Monthly charge: 2,00€***Cost per extra User
Monthly charge: 1,00€
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 4,99€
- ✓
Default: 4,99€
Websites: up to 1**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing SEPA Credit Transfers: 4
Users: 2***
- ✓
Standard: 12,99€
Websites: up to 3**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing SEPA Credit Transfers: 15
Users: 3***
- ✓
Premium: 19,99€
Websites: up to 5**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing SEPA Credit Transfers: 30
Users: 5***
**Cost per extra website:
Monthly charge: 2,00€***Cost per extra User
Monthly charge: 1,00€
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: 4,99€
Support level: Digital /Human Agent Chat
- ✓
Premium: 19,99€
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
- ✓
Account with IBAN (GR) with unlimited free incoming transfers:
10,00 € (monthly fee)
or
Account with IBAN (GR) with a fee per incoming transfer (See Transfers and Payments section): no monthly fee
- ✓
Cash Withdrawals with viva.com card
10,000€ per day 100,000€ per month
- ✓
IRIS Instant Payments to Professionals and Individual Businesses
0,30%* fee with minimum fee 0,01€
*maximum fee of €0.50 for the categories provided by Law 5167/2024 - Article 48.
- ✓
Cash withdrawal fee
FREE for the categories provided by Law 5167/2024 - Article 48.
For other categories:
- 2% of transaction value (minimum 1€, maximum 5€)
- First 3 withdrawals or first 1.000€ per calendar month: FREE
- ✓
Foreign currency transaction fees
3% on transaction value
- ✓
Account Charging
- ✓
Through IBAN transfer
See Account Information
- ✓
Visa, Mastercard, Maestro
1,9% + 0,1€ (minimum charge 0,3€)
- ✓
American Express
2,9% + 0,1€ (minimum charge 0,3€)
- ✓
Transfers & Payments
- ✓
Outgoing transfers
Through SEPA Credit TransferApplies to any Euro bank account
0,80€*
0.50€* for the categories provided by Law 5167/2024 - Article 48.Through SEPA Instant Credit Transfer
0,80€*
0.50€* for the categories provided by Law 5167/2024 - Article 48.*any additional charges are solely the responsibility of the recipient's payment providers.
- ✓
Incoming transfers
Cost per incoming transfer:
up to 5.000,00€: 0,50€from 5.000,01€ to 10.000,00€: 2,00€
from 10.000,01€ to 20.000,00€: 3,00€
over 20.000,01€: 4,50€
- ✓
From viva.com Account to viva.com Account
FREE
- ✓
Through viva.com debit card
FREE
- ✓
Bill Payments
Please view pricing here
- ✓
Company & Employee Debit Card
- ✓
viva.com digital debit card
FREE
- ✓
Physical viva.com debit card
Monthly fee: 2,99€
- ✓
Transactions in online/physical stores - Greece & Abroad
FREE
- ✓
Change PIN to ATM
FREE
- ✓
Disable Card
FREE
- ✓
Merchant's Breach, Investigation & Dispute 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€ per transaction
- ✓
IBAN IN Investigation Transaction Fee
20€ per transaction
- ✓
Confiscations
200€ (per confiscation)*
- ✓
Disputes/ Chargeback
20€ per lost Transaction
*Possible adjustments apply according to local legal framework.
- ✓
Personal Account
- ✓
Account with IBAN (GR) with unlimited free incoming transfers:
10,00 € (monthly fee)
or
Account with IBAN (GR) with a charge per incoming transfer (See Transfers and Payments section): no monthly fee
- ✓
Physical viva.com debit card
Monthly fee: 2,99€
- ✓
During the verification process of a card, a charge of 0,01€ - 0,99€ is charged to your card.
- ✓
Detailed Fee Information document
Download HERE
- ✓
Personal Account Charging
- ✓
Visa, Mastercard, Maestro
1,9% + 0,1€ (minimum charge 0,3€)
- ✓
American Express
2,9% + 0,1€ (minimum charge 0,3€)
- ✓
Through ebanking
0,75€ + possible bank charge
- ✓
Through IBAN
(See Account Information section)
- ✓
Banking Products Price list
The above pricing is effective as of 21/5/2026 10:00 EET. Pricing updates on a monthly basis.