Pricing

Price pack for Domestic & European Economic Area Consumer Cards

Card Present

Per transaction

1,69%

Minimum Fee €0,01* per transaction applies
*(€0,10 applies for viva.com | Terminal users).

Online Payments

Per transaction

2,19% + €0,24

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Card Present Acquiring Fees*

Domestic & European Economic Area Consumer Cards

Payment method	Interchange	Processing Fee
Local Consumer Debit Mastercard(1)	€0,14	–
Local Consumer Debit Maestro(1)	€0,14	–
Visa(2)	1,69%	–
Mastercard(2)	1,69%	–
Maestro(2)	1,69%	–
Diners(2)	1,69%	–
Discover(2)	1,69%	–

*Minimum Fee €0,01 per transaction applies (€0,10 applies for viva.com | Terminal users).

(1)For hardware terminal users.

(2)Includes Local Consumer Debit Mastercard/Maestro for Tap to Pay users, 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 Present 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	✓	✓	1,16%	–
Discover	✓	✓	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	2,99%			€0,35

*Minimum Fee €0,01 per transaction applies (€0,10 applies for viva.com Terminal users).

(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. The applied Interchange fee resides at 0.20% for debit cards and 0.30% for credit cards for domestic transactions.

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, 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 + €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
iDEAL(2)	-			€0,20
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	2,99%	€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
MB Way	0,69%	€0,09
MB Ref(3)	1,60%	€0,24
MobilePay Online(4)	€0,07
SOFORT Banking	1,20%	€0,15
WeChat Pay	1,75%	€0,24
Trustly(5)	0,99%	–

(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)min: €0,40 and max: €1,50.

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

(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
iDEAL	-			€0,20
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
  Users: per user***
  
  *min monthly charge €4,99
- ✓
  Default: €4,99
  Terminal IDs & websites: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing SEPA Credit Transfers: 4
  Users: 2***
- ✓
  Standard: €12,99
  Terminal IDs & websites: up to 10**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing SEPA Credit Transfers: 15
  Users: 3***
- ✓
  Premium: €19,99
  Terminal IDs & websites: up to 20**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing SEPA Credit Transfers: 30
  Users: 5***
  
  **Cost per Terminal ID & websites:
  Monthly charge: €2
  
  ***Cost per extra User
  Monthly charge: €1
  
  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
  Monthly fee: €2,99
- ✓
  IBAN designator (GR)
  Monthly charge: €10
Transfers & Payments
- ✓
  Outgoing SEPA Credit Transfer:
  Applies to any Euro bank account
  €0,25
- ✓
  Outgoing SEPA Instant Credit Transfer:
  €0,25
Account Charging
- ✓
  Visa, Mastercard, Maestro
  1,9% + €0,10 (minimum charge €0,30)
- ✓
  American Express
  2,9% + €0,10 (minimum charge €0,30)
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 per transaction
- ✓
  Payout Investigation Transaction Fee
  €20 per transaction
- ✓
  Confiscations
  €200 (per confiscation)
Dispute Fees
- ✓
  Disputes/ Chargeback
  €20 per Lost Transaction

The above pricing is effective as of 9/1/2025 00:00 EET. Pricing updates on a monthly basis.

Pricing

Price pack for Domestic & European Economic Area Consumer Cards

Card Present Acquiring Fees*

Card Present 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