Viva.com: the omnichannel payment solution to maximize your margins
What is Viva.com?
Viva.com, the 1st Tech Bank in Europe for Businesses, revolutionizes omnichannel payments acceptance, offers card issuing, loans, and deposit accounts in 29 European countries. Viva.com is the first to pioneer and holds the top position in the Tap on Any Device technology, enabling payments acceptance on any device. Connecting directly to all local payment schemes, alternative payment methods, and payment systems across the continent, further strengthens Viva.com’s value proposition. Reflecting its holistic approach to business needs, today Viva.com is leading the transition to All-in-One business solutions, powered by its full suite of financial services and a dynamic ecosystem featuring over 450 tech partner-innovators in the software and hardware space. Built on cutting-edge cloud technology, the AI-ready Tech Bank aims to provide businesses with a value-driven platform that accelerates the adoption of next-generation solutions.
How does Viva.com work?
Viva.com creates a smart money loop that connects what you earn to what you spend — and rewards you for it:
- At checkout: your customer chooses from 40+ payment methods via Viva.com Smart Checkout, directly on your PrestaShop store.
- Real-time settlement: once payment is captured, funds are deposited into your Viva.com business account in up to 60 minutes — 24/7, including weekends and public holidays.
- Business spending: use your Viva.com business debit card (digital or physical) to pay for everyday corporate expenses like travel costs, dinners, inventory, digital advertising, or software subscriptions, etc.
- Cashback that works for you: every time you pay with your Viva.com card, you earn cashback. That cashback offsets your payment acceptance fees — potentially bringing your total processing costs down to 0%.
Why choose Viva.com?
Reduce your acceptance fees to 0%
Payment processing fees are a standard cost of doing business, but Viva.com turns them into a controllable expense. Every time you use your Viva.com business debit card for operational expenses like inventory, advertising, or software, you earn cashback that offsets your acquiring fees. The more you spend through Viva.com, the closer your processing costs get to 0%.
Cash flow shouldn’t wait for business hours. While traditional bank transfers can take 2–7 working days, Viva.com settles your PrestaShop sales directly into your Viva.com business account in up to 60 minutes — every day of the year, including weekends and public holidays.
Running a physical shop alongside your PrestaShop store? Viva.com brings everything under one roof. Manage online payments, Tap-to-Pay on Phone, and card terminal transactions from a single dashboard — making reconciliation and accounting significantly simpler.
The Viva.com Smart Checkout module keeps itself up to date with new payment methods and regulatory changes — no coding required. And if a transaction fails, built-in decline recovery automatically prompts customers to try another payment method, turning would-be abandoned sales into completed orders.
Key features of Viva.com
Access your funds instantly, 365 days a year.
Accept major global cards, digital wallets (Apple Pay, Google Pay etc), and local European payment methods (Bancontact, MB WAY, CB, Bancomat, etc).
Use your Viva.com business debit card for everyday expenses and earn cashback that offsets your acquiring fees.
Sync your PrestaShop store with Viva.com physical terminals or turn any Android/iOS device into a POS terminal.
Built-in machine learning automatically re-routes failed transactions or prompts customers to try another payment method — recovering sales that would otherwise be lost.
Key outcomes for PrestaShop Merchants
- Higher profit margins: Retain more of your revenue by actively lowering your effective acquiring rate toward 0%.
- Improved cash flow: Reinvest your daily earnings immediately into advertising or stock purchasing thanks to real-time payouts.
- Increased conversion rates: Benefit from high acceptance rates (up to 97.2%) by offering shoppers localized payment methods dynamically routed for success.
- Streamlined operations: Eliminate the need for multiple banking apps and settlement accounts by managing all funds and expenses through a single platform.
What are Viva.com’s fees?
Viva.com offers transparent and flexible pricing, combining blended and Interchange++ models , alongside monthly subscription plans for platform usage. The PrestaShop plugin itself is free to download.
For full and up-to-date details, please refer to the official pricing page:https://www.viva.com/en-ie/pricing
Viva.com vs other payment gateways
To build a resilient checkout and operational flow, it is important to understand how Viva.com fits alongside other leading partners in the PrestaShop ecosystem:
💡 Pro Tip for PrestaShop Merchants: Using Viva.com to handle your primary card processing and physical store transactions gives you optimal cash flow and margins. Pair it seamlessly with PayPal to ensure you still capture the millions of shoppers who strongly prefer checking out with their trusted PayPal wallet.
How to integrate Viva.com on PrestaShop?
Register online for a Viva.com business account. The digital onboarding process is fast and paperless.
Log in to your PrestaShop back office, navigate to the PrestaShop Marketplace, and search for « Viva.com Smart Checkout. » Download and install the module.
Generate your API credentials in your Viva.com dashboard and paste them into the PrestaShop module settings. Enable the payment methods you wish to display, customize your checkout page logo, and you are ready to accept payments.
How exactly do I get 0% acceptance fees?
Do I need to change my current business bank account?
Are settlements really processed on weekends?
Does Viva.com support PrestaShop Multistore?
Is the checkout page customizable?
Can I accept international payments?
Take control of your payment processing costs and improve your cash flow instantly. Integrate Viva.com today to offer a seamless, self-updating checkout experience online, while earning back your transaction fees on every business expense.