Pricing
Price pack for Domestic Consumer Cards
BLIK (6-digit code)
0.39% + 0.09 PLNMinimum Fee of 0,15 PLN per transaction applies.
BLIK
1,40%Per transaction
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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 | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
 | 1,69% | – | ||
 | 1,69% | – | ||
 | 1,69% | – | ||
 | 1,69% | – | ||
 | 1,69% | – | ||
*Minimum Fee of 0,15 PLN per transaction applies
(1)Includes Apple Pay, Google Pay, Samsung Pay and third-party wallets where applicable.
Other Fees
Refund cost
Payment acceptance fees + 1,30 PLN
Cancellation cost
FREE
Mastercard Send
Merchant rebates, Fast refunds, Marketplace payouts
Fee per transaction: 0,40%
Max: 2,27 PLN
Min: 0,37 PLN
Visa Direct
Merchant rebates, Fast refunds, Marketplace payouts
Fee per transaction: 0,40%
Max: 2,27 PLN
Min: 0,37 PLN
Scheme Behavioral Fees
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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 |
|---|---|---|---|---|
| ✓ | ✓ | 1,10% | – |
| ✓ | ✓ | 1,10% | – |
| ✓ | ✓ | 1,10% | – |
| ✓ | ✓ | 1,10% | – |
| ✓ | ✓ | 1,10% | – |
 | 2,95%** | – | ||
 | ✓ | ✓ | 1,10% | – |
 | ✓ | ✓ | 1,50% | 0,85 PLN |
| Payment method | Interchange | Scheme | Viva.com Acquiring Fee | Processing Fee |
|---|---|---|---|---|
| 0.39% | 0,09 PLN | ||
4,99% | 1,50 PLN | |||
 | 2,40% | - | ||
*Minimum Fee of 0,15 PLN 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 + 1,30 PLN
Cancellation cost
FREE
Refund cost BLIK (6-digit code)
3,00 PLN
Refund cost Klarna
FREE
Mastercard Send
Merchant rebates, Fast refunds, Marketplace payouts
Fee per transaction: 0,40%
Max: 2,27 PLN
Min: 0,37 PLN
Visa Direct
Merchant rebates, Fast refunds, Marketplace payouts
Fee per transaction: 0,40%
Max: 2,27 PLN
Min: 0,37 PLN
Scheme Behavioral Fees
Download here
viva.com Account
Omnichannel Payment Plans (monthly subscription)
- ✓
Zero: 0 PLN*
Terminal IDs & websites: per item**
Digital Cards: unlimited
Real Time Settlement: yes
Users: per user***
*min monthly charge 22 PLN - ✓
Default: 22 PLN
Terminal IDs: up to 3**
Websites: up to 1**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 4
Users: 2***
- ✓
Standard: 58 PLN
Terminal IDs: up to 10**
Websites: up to 3**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 15
Users: 3***
- ✓
Premium: 88 PLN
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: 9 PLN
***Cost per extra User
Monthly charge: 4,50 PLN
*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 PLN*
Terminal IDs: per item**
Digital Cards: unlimited
Real Time Settlement: yes
Users: per user***
*min monthly charge 22 PLN - ✓
Default: 22 PLN
Terminal IDs: up to 3**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 4
Users: 2***
- ✓
Standard: 58 PLN
Terminal IDs: up to 10**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 15
Users: 3***
- ✓
Premium: 88 PLN
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: 9 PLN
***Cost per extra User
Monthly charge: 4,50 PLN
*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 PLN*
Websites: per item**
Digital Cards: unlimited
Real Time Settlement: yes
Users: per user***
*min monthly charge 22 PLN - ✓
Default: 22 PLN
Websites: up to 1**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 4
Users: 2***
- ✓
Standard: 58 PLN
Websites: up to 3**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 15
Users: 3***
- ✓
Premium: 88 PLN
Websites: up to 5**
Digital Cards: unlimited
Real time settlement: yes
Free Outgoing Transfers: 30
Users: 5***
**Cost per extra website:
Monthly charge: 9 PLN
***Cost per extra User
Monthly charge: 4,50 PLN
*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: 22 PLN
Support level: Digital /Human Agent Chat
- ✓
Premium: 88 PLN
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:
44,00 PLN (per month)or
Account with IBAN (GR) with a fee per incoming transfer (no monthly fee):
up to 22.000,00 PLN: 2,20 PLN
from 22.000,01 PLN to 44.000,00 PLN: 8,80 PLN
from 44.000,01 PLN to 88.000,00 PLN: 13,20 PLN
over 88.000,01 PLN: 19,80 PLN
- ✓
Transfer money
Applies to any PL bank account
4,20 PLN
- ✓
Cash withdrawal fee
2% of transaction value (minimum 4,40 PLN , maximum 22,00 PLN)
first 3 withdrawals or first 4.400,00 PLN per calendar month: FREE
- ✓
Foreign currency transaction fees
3% on transaction value
- ✓
Cash Withdrawals
Applies to viva.com Cards
8.000 PLN per day
140.000 PLN per month
- ✓
viva.com digital business debit card
FREE
- ✓
Order of a physical viva.com debit card
Monthly fee: 13,00 PLN
- ✓
Account Charging
- ✓
Visa, Mastercard, Maestro
1,9% + 0,1 PLN (minimum charge 0,3 PLN)
- ✓
American Express
2,9% + 0,1 PLN (minimum charge 0,3 PLN)
- ✓
Merchant's Breach & Investigation Fees
- ✓
Merchant's Breach Fee
A Merchant's Breach Fee is applicable, in the event of verified fraudulent activities.
1470 PLN
- ✓
Account Investigation Fee
1050 PLN
- ✓
Card Investigation Transaction Fee
84 PLN per transaction
- ✓
Payout Investigation Transaction Fee
84 PLN per transaction
- ✓
Confiscations
880 PLN (per confiscation)
- ✓
Dispute Fees
- ✓
Disputes/ Chargeback
20 PLN per Lost Transaction
- ✓
The above pricing is effective as of 21/5/2026 10:00 EET. Pricing updates on a monthly basis.