Pricing

Price pack for Domestic & European Economic Area Consumer Cards

Card Present

Per transaction

1,69 %

Minimum Fee of 0,03 € per transaction applies.

Online Payments

Per transaction

2,19 % + 0,24 €

Get Registered to Receive One of our Tailor-Made Pricing Packs or a Personalised Offer.

Card Present Acquiring Fees*

Domestic & European Economic Area Consumer Cards.

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 0,03 € per transaction applies.

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

Other Fees

Refund cost

Payment acceptance fees + 0,30 €

Cancellation cost

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Card Pesent Acquiring Fees*

Domestic & ΕΕΑ 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)	2,20 %		0,30 %	-
Alipay	2,40 %			-
JCB**	✓	✓	1,10 %	–

Alternative Payment Methods**
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Klarna	4,99 %			0,35 €

*Minimum Fee of 0,03 € per transaction applies.

**Not applicable to individuals.

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

Other Fees

Refund cost

Payment acceptance fees + 0,30 €

Cancellation cost

FREE

Refund cost Klarna

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Online Payments Acquiring Fees

Domestic & European Economic Area Consumer Cards.

Payment method	Interchange	Processing Fee
Visa(1)	2,19 %	0,24 €
Mastercard(1)	2,19 %	0,24 €
Maestro(1)	2,19 %	0,24 €
Diners(1)	2,19 %	0,24 €
Discover(1)	2,19 %	0,24 €

(1)Includes Apple Pay and Google Pay where applicable.

When using certain official plugins for eCommerce platforms a surcharge of 0,35 % may apply.

Other Fees

Refund cost

Payment acceptance fees + 0,30 €

Cancellation cost

FREE

3d secure authentication

0,03 € per attempt

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Online Payments Acquiring Fees

Domestic & ΕΕΑ 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 %	0,24 €
Mastercard(1)	✓	✓	2,06 %	0,24 €
Maestro(1)	✓	✓	2,06 %	0,24 €
Diners(1)	✓	✓	2,06 %	0,24 €
Discover(1)	✓	✓	2,06 %	0,24 €
Amex(1)	2,20 %		0,50 %	0,24 €
JCB**	✓	✓	1,10 %	0,24 €
PayPal(2)	0,10 %

Alternative Payment Methods**
Payment method	Interchange	Processing Fee
Klarna	4,99 %	0,35 €
Bluecode	0,50%	0,08%
Pay on Delivery	–	0,10 €
Bitpay	1,25 %	0,24 €
EPS	1,25 %	0,30 €
Giropay (no longer available)	1,25 %	0,24 €
iDEAL	-	0,20 €
MobilePay Online(3)	0,07 €
MB Way	0,69 %	0,09 €
MB Ref(4)	1,60 %	0,24 €
SOFORT Banking	1,20 %	0,15 €
WeChat Pay	1,75 %	0,24 €
Trustly(5)	0,99 %	–

**Not applicable to individuals.

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

(2)Processing fee charged to your Profile account, excluding any fees PayPal may charge to your PayPal account.

(3)MobilePay Online: An additional fee on top of the existing card fees mentioned above.

(4)min: 0,40 € and max: 1,50 €.

(5)A minimum fee of 0,55 € applies.

When using certain official plugins for eCommerce platforms a surcharge of 0,35 % may apply.

Other Fees

Refund cost

Payment acceptance fees + 0,30 €

Cancellation cost

FREE

Refund cost Klarna

FREE

Refund cost Bluecode

FREE

Refund cost EPS

0,40 €

Refund cost Giropay

0,40 €

Refund cost iDEAL

0,30 €

Refund cost MobilePay Online

FREE

Refund cost SOFORT Banking

0,40 €

Refund cost WeChat Pay

0,30 €

Refund cost Trustly

0,60 €

Card Verification (with Zero Amount)

0,05 €

3d secure authentication

0,03 € per attempt

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Over the Phone - Acquiring Fees*

Domestic & European Economic Area Consumer Cards

Payment method	Interchange	Processing Fee
Visa	2,19 %	0,24 €
Mastercard	2,19 %	0,24 €
Maestro	2,19 %	0,24 €
Diners	2,19 %	0,24 €
Discover	2,19 %	0,24 €

*Relates to Virtual Terminal and MOTO.

Other Fees

Refund cost

Payment acceptance fees + 0,30 €

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Over the Phone - Acquiring Fees*

Domestic & ΕΕΑ Commercial cards / European Cards / UK Cards / International Cards - Alternative Payment Methods

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa	✓	✓	2,06 %	0,24 €
Mastercard	✓	✓	2,06 %	0,24 €
Maestro	✓	✓	2,06 %	0,24 €
Diners	✓	✓	2,06 %	0,24 €
Discover	✓	✓	2,06 %	0,24 €
Amex	2,20 %		0,50 %	0,24 €
JCB	✓	✓	1,10 %	0,24 €

*Relates to Virtual Terminal and MOTO.

Other Fees

Refund cost

Payment acceptance fees + 0,30 €

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 0,50€

Min: 0,08€

viva.com Account

Plans (monthly subscription)
- ✓
  Zero: 0,00 €*
  Terminal IDs & websites: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  
  *min monthly charge 4,99 €
  
  (Available from: 19/07/2024)
- ✓
  Default: 4,99 €
  Terminal IDs & websites: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
- ✓
  Standard: 12,99 €
  Terminal IDs & websites: up to 10**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
- ✓
  Premium: 19,99 €
  Terminal IDs & websites: up to 20**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 30
  
  **Cost per extra Terminal ID & websites:
  Monthly charge: 2,00 €
  
  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: 4,99 €
  Support level: Digital /Human Agent Chat
- ✓
  Premium: 19,99 €
  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
- ✓
  Cash Withdrawals
  Applies to viva.com Cards
  400 € per day
  10,000 € per month
  20,000 € per rolling 12-month period
- ✓
  Cash Withdrawal fee
  2 % of transaction value (minimum 1 €, maximum 5 €)
  first 3 withdrawals or first 1,000 € per calendar month: FREE
- ✓
  Foreign currency transaction fees
  3 % on transaction value
- ✓
  viva.com digital business debit card
  FREE
- ✓
  Order of a physical viva.com debit card
  2,99 € Monthly fee
- ✓
  IBAN designator (GR)
  Monthly charge: 10,00 €
Transfers & Payments
- ✓
  Through SEPA
  Applies to any EURO bank account
  0,25 €
- ✓
  Through SEPA INSTANT
  +0,80 €
Account Charging
- ✓
  Visa, Mastercard, Maestro
  1,9% + 0,10 € (minimum charge 0,30 €)
- ✓
  American Express
  2,9% + 0,10 € (minimum charge 0,30 €)
  
  Effective since: 12/07/2024
Merchant's Breach & Investigation Fees
- ✓
  Merchant's Breach Fee
  A Merchant's Breach Fee is applicable, in the event of verified fraudulent activities.
  350 €
- ✓
  Account Investigation Fee
  250 €
- ✓
  Card Investigation Transaction Fee
  20,00 € per transaction
- ✓
  Payout Investigation Transaction Fee
  20,00 € per transaction
- ✓
  Confiscations
  200 € (per confiscation)
Dispute Fees
- ✓
  Disputes / Chargeback
  20 € per Lost Transaction

Publication of information regarding the Discount and Interchange Rates received, in compliance with the provisions of article 13 of Law 18/2014, and Circulars 1/2015 of March 24 and 1/2016 of January 29 January, which implement it.

Discount Rates & Interchange Fees

The above pricing is effective as of 01/08/2024 00:00 CET. Pricing updates on a monthly basis.

Pricing

Price pack for Domestic & European Economic Area Consumer Cards

Card Present Acquiring Fees*

Card Pesent Acquiring Fees*

Online Payments Acquiring Fees

Online Payments Acquiring Fees

Over the Phone - Acquiring Fees*

Over the Phone - Acquiring Fees*

viva.com Account

Plans (monthly subscription)

Support Level (monthly subscription)

Account Information

Transfers & Payments

Account Charging

Merchant's Breach & Investigation Fees

Dispute Fees

Publication of information regarding the Discount and Interchange Rates received, in compliance with the provisions of article 13 of Law 18/2014, and Circulars 1/2015 of March 24 and 1/2016 of January 29 January, which implement it.

Discount Rates & Interchange Fees