Pricing
Price pack for Domestic & European Economic Area Consumer Cards
PagoBancomat consumer card
1,09%Minimum Fee of 0,05 € per transaction applies.
Domestic and EEA consumer cards
2,19% + 0,24 €Per transaction
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In-person payments acquiring fees*
Domestic & European Economic Area Consumer Cards.
| Payment method | Interchange | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
 | 1,09% | - | ||
 | 1,69% | – | ||
 | 1,69% | – | ||
 | 1,69% | – | ||
 | 1,69% | – | ||
 | 1,69% | – | ||
*Minimum Fee of 0,03 € per transaction applies. For PagoBancomat a minimum fee of 0,05 € 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 |
|---|---|---|---|---|
| ✓ | ✓ | 0,69% | - |
 | ✓ | ✓ | 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% | - | ||
 | 1,00% | - | ||
*Minimum Fee of 0,03 € per transaction applies. For PagoBancomat a minimum fee of 0,05 € 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.
Other Fees
Refund cost
Payment acceptance fees + 0,30 €
Cancellation cost
FREE
Refund cost Klarna
FREE
Refund cost Satispay
0,20 €
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
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 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.
- ✓
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
- ✓
Order of a physical viva.com debit card
Monthly fee: 2,99 €
- ✓
Transfers & Payments
- ✓
Outgoing transfers
Through SEPA Credit Transfer
Applies to any Euro bank account
0,25 €
Through SEPA Instant Credit Transfer
0,25 €
- ✓
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 €
- ✓
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 & 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.