Pricing

Price pack for Domestic Consumer Cards

In-person payments

Per transaction

1.69%

Minimum Fee of 0.15 LEI per transaction applies.

Online Payments

Per transaction

2.19% + 0.3 LEI

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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 0.15 LEI per transaction applies.

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

Other Fees

Refund cost

Payment acceptance fees + 1.50 LEI

Cancellation cost

FREE

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

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)	✓	✓	1.16%	–
Mastercard(1)	✓	✓	1.16%	–
Maestro(1)	✓	✓	1.16%	–
Diners(1)	✓	✓	1.16%	–
Discover(1)	✓	✓	1.16%	–
Amex(1)	2,75%**			–
JCB	✓	✓	1.10%	–
Union Pay	✓	✓	1,50%	1,00 LEI

Alternative Payment Methods
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Alipay	2.40%			-

*Minimum Fee of 0.15 LEI 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 + 1.50 LEI

Cancellation cost

FREE

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

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%	0.3 LEI
Mastercard(1)	2.19%	0.3 LEI
Maestro(1)	2.19%	0.3 LEI
Diners(1)	2.19%	0.3 LEI
Discover(1)	2.19%	0.3 LEI

(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 + 1.50 LEI

Cancellation cost

FREE

3d secure authentication

0.15 LEI per attempt

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

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)	✓	✓	2.06%	0.3 LEI
Mastercard(1)	✓	✓	2.06%	0.3 LEI
Maestro(1)	✓	✓	2.06%	0.3 LEI
Diners(1)	✓	✓	2.06%	0.3 LEI
Discover(1)	✓	✓	2.06%	0.3 LEI
Amex(1)	2.95%*			0.30 LEI
JCB	✓	✓	1.10%	0.3 LEI

Alternative Payment Methods
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Klarna	4.99%			1.70 LEI
Pay on Delivery	–			0.49 LEI

*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.

When using certain official plugins for eCommerce platforms a surcharge of 0.35% may apply.

Other Fees

Refund cost

Payment acceptance fees + 1.50 LEI

Cancellation cost

FREE

Refund cost Klarna

FREE

Card Verification (with Zero Amount)

0,26 LEI

3d secure authentication

0.15 LEI per attempt

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

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%	0.3 LEI
Mastercard	2.19%	0.3 LEI
Maestro	2.19%	0.3 LEI
Diners	2.19%	0.3 LEI
Discover	2.19%	0.3 LEI

*Relates to Virtual Terminal and MOTO.

Other Fees

Refund cost

Payment acceptance fees + 1.50 LEI

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

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	✓	✓	2.06%	0.3 LEI
Mastercard	✓	✓	2.06%	0.3 LEI
Maestro	✓	✓	2.06%	0.3 LEI
Diners	✓	✓	2.06%	0.3 LEI
Discover	✓	✓	2.06%	0.3 LEI
Amex	2,95%**			0,30 LEI
JCB	✓	✓	1.10%	0.3 LEI

*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 + 1.50 LEI

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

Visa Direct

Merchant rebates

Fee per transaction: 0.40%

Max: 2.50 LEI

Min: 0.40 LEI

viva.com Account

Omnichannel Payment Plans (monthly subscription)
- ✓
  Zero: 0,00 LEI*
  Terminal IDs and websites: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  Users: per user***
  *min monthly charge 25 LEI
- ✓
  Default: 25 LEI
  Terminal IDs: up to 3**
  Websites: up to 1**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
  Users: 2***
- ✓
  Standard: 65 LEI
  Terminal IDs: up to 10**
  Websites: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
  Users: 3***
- ✓
  Premium: 100 LEI
  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: 10 LEI
  ***Cost per extra User
  Monthly charge: 5 LEI
  
  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 LEI*
  Terminal IDs: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  Users: per user***
  *min monthly charge 25 LEI
- ✓
  Default: 25 LEI
  Terminal IDs: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
  Users: 2***
- ✓
  Standard: 65 LEI
  Terminal IDs: up to 10**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
  Users: 3***
- ✓
  Premium: 100 LEI
  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: 10 LEI
  
  ***Cost per extra User
  Monthly charge: 5 LEI
  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 LEI*
  Websites: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  Users: per user***
  *min monthly charge 25 LEI
- ✓
  Default: 25 LEI
  Websites: up to 1**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
  Users: 2***
- ✓
  Standard: 65 LEI
  Websites: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
  Users: 3***
- ✓
  Premium: 100 LEI
  Websites: up to 5**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 30
  Users: 5***
  
  **Cost per extra website:
  Monthly charge: 10 LEI
  
  ***Cost per extra User
  Monthly charge: 5 LEI
  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: 25 LEI
  Support level: Digital /Human Agent Chat
- ✓
  Premium: 100 LEI
  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:
  50 LEI (per month)
  or
  Account with IBAN (GR) with a fee per incoming transfer (no monthly fee):
  up to 25.000,00 LEI: 2,50 LEI
  from 25.000,01 LEI to 50.000,00 LEI: 10,00 LEI
  from 50.000,01 LEI to 100.000,00 LEI: 15,00 LEI
  over 100.000,01 LEI: 22,50 LEI
- ✓
  Transfer money
  Applies to any Romanian bank account
  3 LEI
- ✓
  Cash withdrawal fee
  2% of transaction value (minimum 5.00 LEI maximum 25.00 LEI)
  first 3 withdrawals or 5,000 LEI first per calendar month: FREE
- ✓
  Foreign currency transaction fees
  3% on transaction value
- ✓
  Cash Withdrawals
  Applies to viva.com Cards
  5,000 LEI per day
  100,000 LEI per month
- ✓
  viva.com digital business debit card
  FREE
- ✓
  Order of a physical viva.com debit card
  Monthly fee: 15 LEI
Account charging
- ✓
  Visa, Mastercard, Maestro
  1,9% + 0,1 LEI (minimum charge 0,3 LEI)
- ✓
  American Express
  2,9% + 0,1 LEI (minimum charge 0,3 LEI)
Merchant's Breach & Investigation Fees
- ✓
  Merchant's Breach Fee
  A Merchant's Breach Fee is applicable, in the event of verified fraudulent activities.
  1.680 LEI
- ✓
  Account Investigation Fee
  1.200 LEI
- ✓
  Card Investigation Transaction Fee
  96 LEI per transaction
- ✓
  Payout Investigation Transaction Fee
  96 LEI per transaction
- ✓
  Confiscations
  1.000 LEI (per confiscation)
Dispute Fees
- ✓
  Disputes/ Chargeback
  20 LEI 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