Pricing
Price pack for Domestic & European Economic Area Consumer Cards
Per transaction
1.69%Minimum Fee of €0.03 per transaction applies.
Per transaction
2.19% + €0.24Get Registered to Receive One of our Tailor-Made Pricing Packs or a Personalised Offer.
In-person payments acquiring fees*
Domestic & European Economic Area Consumer Cards.
| 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% | – |
 | 2,75%** | – | ||
 | ✓ | ✓ | 1.10% | – |
 | ✓ | ✓ | 1,50% | 0,20€ |
| Payment method | Interchange | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
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.
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
Applies to Viva.com cards
€400 per day
€10,000 per month - ✓
Cash Withdrawal fee
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
- ✓
viva.com digital business debit card
FREE
- ✓
Physical viva.com debit card
Monthly fee: €2.99
- ✓
Transfers & Payments
- ✓
Outgoing transfers
Through SEPA Credit TransferApplies to any Euro bank account
€0,50
Through SEPA Instant Credit Transfer
€0,50
- ✓
Incoming transfers
Cost per incoming transfer:
up to €5.000,00: €0,50from €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
- ✓
Account Charging
- ✓
Visa, Mastercard, Maestro
1.9% + €0.10 (minimum charge €0.30)
- ✓
American Express
2.9% + €0.10 (minimum charge €0.30)
- ✓
Merchant's Breach Fee & 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
- ✓
Payout Investigation Transaction Fee
€20.00 per transaction
- ✓
Confiscations
€200 (per confiscation)
- ✓
Dispute Fees
- ✓
Disputes/ Chargeback
€20 per Lost Transaction
- ✓
Banking Products Price list
- ✓
Deposit Products
See here
- ✓
The above pricing is effective as of 17/06/2026 00:00 EET. Pricing updates on a monthly basis.