Viva.com

Viva.com

Cloud-based neobank offering payment processing

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

Simplify's Rating
Why Viva.com is rated
C+
Rated B on Competitive Edge
Rated B on Growth Potential
Rated D+ on Differentiation

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

  • Viva.com expanded to 29 countries in May 2026, widening merchant distribution immediately.
  • July 2026 Wero integration adds 57 million-user wallet support across Belgium, France, and Germany.
  • February 2026 partnerships with BlueStar and Advance Booking Factoring deepen hardware and financing distribution.

What critics are saying

  • JPMorgan filed 2026 lawsuits seeking €916 million, threatening control and distracting management.
  • A valuation fight still shadows a forced sale or control transfer if courts favor JPMorgan.
  • Payments rivals and scheme partners can compress margins as Wero, Worldpay, and processors expand coverage.

What makes Viva.com unique

  • Pan-European tech bank across 29 countries, combining acquiring, banking, and financing on one platform.
  • Proprietary cloud infrastructure on Azure enables rapid rollout of Wero, Mastercard Move, and Tap-to-Pay.
  • Merchant stack spans 40+ payment methods, local IBANs, cards, and integrated fiscalization through Fiskaltrust.

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Funding

Total Funding

$178.4M

Above

Industry Average

Funded Over

5 Rounds

Buyout funding comparison data is currently unavailable. We're working to provide this information soon!
Buyout Funding Comparison
Coming Soon

Benefits

Health Insurance

Performance Bonus

Professional Development Budget

Wellness Program

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

-4%
Yahoo Finance
Jul 23rd, 2026
Viva.com joins European Payments Initiative to integrate Wero wallet across 29 markets

Viva.com has joined the European Payments Initiative (EPI), integrating the Wero digital wallet into its payments and banking platform. The integration will initially launch in Belgium, France and Germany, with additional countries to follow as Wero expands. Viva.com operates as a pan-European banking infrastructure across 29 markets, providing services including card acceptance and payment gateways for businesses. Wero will join more than 40 payment methods available through its platform. The Wero digital wallet supports instant account-to-account transfers and reportedly has more than 57 million users across Europe. Viva.com also plans to support Wero's expansion into NFC-based in-store acceptance when available. Earlier this year, Global Payments' Worldpay business joined EPI as a principal member.

Coindoo
Jul 22nd, 2025
UK Court Blocks JPMorgan's $1.1B Viva Bid

A UK court has blocked JPMorgan Chase's $1.1 billion lawsuit against Greek fintech Viva Wallet. The dispute arose from JPMorgan's 2022 acquisition of a 48.5% stake in Viva, with an option to buy the remaining shares if Viva's valuation fell below €5 billion by July 30, 2025. JPMorgan alleged Viva obstructed growth to maintain its valuation above the threshold, but the court halted the bank's efforts to trigger the buyout option.

Viva.com
Feb 19th, 2025
Viva.com Acquires Majority Stake in Fiskaltrust - viva.com

Viva.com Acquires Majority Stake in Fiskaltrust to Become the First in Europe to Offer Payments & Banking Solution, Integrated with Fiscalisation Services.

BilKuj
Jan 9th, 2025
JPMorgan Takes Legal Action Against Viva Wallet In Ongoing Valuation Dispute

JPMorgan Chase & Co. (NYSE: JPM) has filed two lawsuits against Greece's Viva Wallet, escalating a long-standing legal battle over the fintech company's valuation.

Greek City Times
Jan 8th, 2025
JP Morgan Sues Viva Wallet in Ongoing Dispute Over Valuation

JP Morgan sues Viva Wallet in ongoing dispute over valuation.

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