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Overview
Viva Wallet provides cloud-based payment processing and banking services for merchants across 24 countries, including online gateways, POS terminals, and business accounts with local IBANs and corporate debit cards. Its platform on Microsoft Azure supports 30+ payment methods and features like Tap to Pay on iPhone/Tap on Phone and a Smart Checkout that localizes language, currency, and payment options to improve conversions. A key differentiator is the 0% commission model for merchants who use both card acceptance and Viva Wallet’s corporate debit card, plus its licensed European neobank status and merchant cash‑advance capability. The company aims to simplify cross-border payments for merchants and expand its European footprint in payments, banking services, and mobile card acceptance.
About Viva.com
Industries
Fintech
Financial Services
Company Size
501-1,000
Company Stage
Acquired
Total Funding
$178.5M
Headquarters
Athens, Greece
Founded
2010
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Simplify's Take
What believers are saying
- Wero integration expands payment choice across 29 European markets.
- Smart Checkout can improve conversion through localized payment options.
- Business accounts, cards, and merchant advances increase merchant retention and monetization.
What critics are saying
- EPI and Wero can shift volume toward account-to-account payments, reducing card fees.
- Azure dependency concentrates outage and policy risk across all markets.
- Embedded lending exposes Viva.com to SME credit losses during economic stress.
What makes Viva.com unique
- Cloud-based Microsoft Azure platform enables device-light omnichannel payments across Europe.
- Tap on Any Device reduces hardware dependence for in-store merchants.
- Principal Visa and Mastercard membership supports integrated acquiring and issuing services.
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Funding
Total Funding
$178.4M
Above
Industry Average
Funded Over
5 Rounds
Benefits
Health Insurance
Performance Bonus
Professional Development Budget
Wellness Program
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↓ -1%2 year growth
↓ -4%Viva.com Acquires Majority Stake in Fiskaltrust to Become the First in Europe to Offer Payments & Banking Solution, Integrated with Fiscalisation Services.
Greece's first fintech unicorn Viva Wallet sues JPMorgan.
ZEUS+DIONE partners with Viva Wallet.
Viva.com is Hiring for 12 Jobs on Simplify!
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About Viva.com
Industries
Fintech
Financial Services
Company Size
501-1,000
Company Stage
Acquired
Total Funding
$178.5M
Headquarters
Athens, Greece
Founded
2010
Viva.com is Hiring for 12 Jobs on Simplify!
Find jobs on Simplify and start your career today