Pricing

Price pack for Domestic Consumer Cards

In-person payments

Per transaction

1,69%

Minimum Fee of 0,36 NOK per transaction applies.

Online Payments

Per transaction

2,19% + 1,80 NOK

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In-person payments acquiring fees*

Domestic 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	Processing Fee
Visa(1)	1,69%	–
Mastercard(1)	1,69%	–
Maestro(1)	1,69%	–
Diners(1)	1,69%	–
Discover(1)	1,69%	–

*Minimum Fee of 0,36 NOK per transaction applies.

(1)Includes Apple Pay, Google Pay, Samsung Pay and third-party wallets where applicable.

Other Fees

Refund cost

Payment acceptance fees + 3,60 NOK

Cancellation cost

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Scheme Behavioral Fees

Download here

In-person payments acquiring fees*

Domestic Commercial cards - European Cards - UK Cards - International Cards - Alternative Payment Methods

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa(1)	✓	✓	1,30%	–
Mastercard(1)	✓	✓	1,30%	–
Maestro(1)	✓	✓	1,30%	–
Diners(1)	✓	✓	1,30%	–
Discover(1)	✓	✓	1,30%	–
Amex(1)	2,75%**			–
JCB	✓	✓	1,10%	–
Union Pay	✓	✓	1,50%	2,20 NOK

Alternative Payment Methods
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Klarna	2,99%			3,50 NOK
Alipay	2,40%			–

*Minimum Fee of 0,36 NOK 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 + 3,60 NOK

Cancellation cost

FREE

Refund cost Klarna

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Scheme Behavioral Fees

Download here

Online Payments Acquiring Fees

Domestic 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	Processing Fee
Visa(1)	2,19%	1,80 NOK
Mastercard(1)	2,19%	1,80 NOK
Maestro(1)	2,19%	1,80 NOK
Diners(1)	2,19%	1,80 NOK
Discover(1)	2,19%	1,80 NOK

(1)Includes Apple Pay, Google Pay, Samsung Pay and third-party wallets where applicable.

When using certain official plugins for eCommerce platforms a surcharge of 0,35% may apply.

Other Fees

Refund cost

Payment acceptance fees + 3,60 NOK

Cancellation cost

FREE

3d secure authentication

0,36 NOK per attempt

Card Verification (with Zero Amount)

0,57 NOK

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Scheme Behavioral Fees

Download here

Online Payments Acquiring Fees

Domestic Commercial cards - European Cards - UK Cards - International Cards - Alternative Payment Methods

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa(1)	✓	✓	1,90%	1,80 NOK
Mastercard(1)	✓	✓	1,90%	1,80 NOK
Maestro(1)	✓	✓	1,90%	1,80 NOK
Diners(1)	✓	✓	1,90%	1,80 NOK
Discover(1)	✓	✓	1,90%	1,80 NOK
Amex(1)	2,95%*			1,80 NOK
JCB	✓	✓	1,10%	1,80 NOK
PayPal(2)	0,10%

Alternative Payment Methods
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Klarna	2,99%			3,50 NOK
Trustly(3)	0,99%			–

*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)Processing fee charged to your Profile account, excluding any fees PayPal may charge to your PayPal account.

(3)A minimum fee of 6,40 ΝΟΚ applies.

When using certain official plugins for eCommerce platforms a surcharge of 0,35% may apply.

Other Fees

Refund cost

Payment acceptance fees + 3,60 NOK

Cancellation cost

FREE

Refund cost Klarna

FREE

Refund cost Trustly

7,00 NOK

Card Verification (with Zero Amount)

0,57 NOK

3d secure authentication

0,36 NOK per attempt

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Scheme Behavioral Fees

Download here

Over the Phone - Acquiring Fees*

Domestic 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	Processing Fee
Visa	2,19%	1,80 NOK
Mastercard	2,19%	1,80 NOK
Maestro	2,19%	1,80 NOK
Diners	2,19%	1,80 NOK
Discover	2,19%	1,80 NOK

*Relates to Virtual Terminal and MOTO.

Other Fees

Refund cost

Payment acceptance fees + 3,60 NOK

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Over the Phone - Acquiring Fees*

Domestic Commercial cards - European Cards - UK Cards - International Cards - Alternative Payment Methods

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa	✓	✓	1,90%	1,80 NOK
Mastercard	✓	✓	1,90%	1,80 NOK
Maestro	✓	✓	1,90%	1,80 NOK
Diners	✓	✓	1,90%	1,80 NOK
Discover	✓	✓	1,90%	1,80 NOK
Amex	2,95%**			1,80 NOK
JCB	✓	✓	1,10%	1,80 NOK

*Relates to Virtual Terminal and MOTO.

**An additional 0,40% applies if the card is issued outside EEA

Other Fees

Refund cost

Payment acceptance fees + 3,60 NOK

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 5,82 NOK

Min: 0,94 NOK

viva.com Account

Omnichannel Payment Plans (monthly subscription)
- ✓
  Zero: 0 NOK*
  Terminal IDs: per item**
  Websites: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  Users: per user***
  
  *min monthly charge 58 NOK
- ✓
  Default: 58 NOK
  Terminal IDs: up to 3**
  Websites: up to 1**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
  Users: 2***
- ✓
  Standard: 150 NOK
  Terminal IDs: up to 10**
  Websites: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
  Users: 3***
- ✓
  Premium: 232 NOK
  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: 24 NOK
  
  ***Cost per extra User
  Monthly charge: 12,00 NOK
  
  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 NOK*
  Terminal IDs: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  Users: per user***
  
  *min monthly charge 58 NOK
- ✓
  Default: 58 NOK
  Terminal IDs: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
  Users: 2***
- ✓
  Standard: 150 NOK
  Terminal IDs: up to 10**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
  Users: 3***
- ✓
  Premium: 232 NOK
  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: 24 NOK
  
  ***Cost per extra User
  Monthly charge: 12,00 NOK
  
  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 NOK*
  Websites: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  Users: per user***
  
  *min monthly charge 58 NOK
- ✓
  Default: 58 NOK
  Websites: up to 1**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
  Users: 2***
- ✓
  Standard: 150 NOK
  Websites: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
  Users: 3***
- ✓
  Premium: 232 NOK
  Websites: up to 5**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 30
  Users: 5***
  
  **Cost per extra website:
  Monthly charge: 24 NOK
  
  ***Cost per extra User
  Monthly charge: 12,00 NOK
  
  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: 58 NOK
  Support level: Digital /Human Agent Chat
- ✓
  Premium: 232 NOK
  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:
  115 NOK (per month)
  or
  Account with IBAN (GR) with a fee per incoming transfer (no monthly fee):
  up to 57.500,00 NOK: 5,75 NOK
  from 57.500,01 NOK to 115.000,00 NOK: 23,00 NOK
  from 115.000,01 NOK to 230.000,00 NOK: 34,50 NOK
  over 230.000,01 NOK: 51,75 NOK
- ✓
  Transfer money
  Applies to any Norwegian bank account
  6 NOK*
  *If mistakes that cause investigations occur during a payout, additional charges may incur due to the beneficiary's PSP.
- ✓
  Cash withdrawal fee
  2% of transaction value (minimum 12,00 NOK, maximum 60,00 NOK)
  first 3 withdrawals or first 12,000 NOK per calendar month: FREE
- ✓
  Foreign currency transaction fees
  3% on transaction value
- ✓
  Cash Withdrawals
  Applies to viva.com cards
  4.000 NOK per day
  100.000 NOK per month
- ✓
  viva.com digital business debit card
  FREE
- ✓
  Order of a physical viva.com debit card
  Monthly fee: 36 NOK
Account Charging
- ✓
  Visa, Mastercard, Maestro
  1,90% + 0,1 NOK (minimum charge 0,3 NOK)
- ✓
  American Express
  2,90% + 0,1 NOK (minimum charge 0,30 NOK)
Merchant's Breach & Investigation Fees
- ✓
  Merchant's Breach Fee
  A Merchant's Breach Fee is applicable, in the event of verified fraudulent activities.
  4.000 NOK
- ✓
  Account Investigation Fee
  3.000 NOK
- ✓
  Card Investigation Transaction Fee
  250 NOK per transaction
- ✓
  Payout Investigation Transaction Fee
  250 NOK per transaction
- ✓
  Confiscations
  2.500 NOK (per confiscation)
Dispute Fees
- ✓
  Disputes/ Chargeback
  20 NOK per Lost Transaction

The above pricing is effective as of 21/5/2026 10:00 EET. Pricing updates on a monthly basis.

Pricing

Price pack for Domestic Consumer Cards

In-person payments acquiring fees*

In-person payments acquiring fees*

Online Payments Acquiring Fees

Online Payments Acquiring Fees

Over the Phone - Acquiring Fees*

Over the Phone - Acquiring Fees*

viva.com Account

Omnichannel Payment Plans (monthly subscription)

In-Person Payment Plans (monthly subscription)

Ecommerce Payment Plans (monthly subscription)

Support Level (monthly subscription)

Account Information

Account Charging

Merchant's Breach & Investigation Fees

Dispute Fees