Pricing

Price pack for Domestic Consumer Cards

Card Present

Per transaction

1,69%

Minimum Fee of 0,15 PLN per transaction applies.

Online Payments

Per transaction

2,19% + 0,24 PLN

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Card Present Acquiring Fees*

Domestic Consumer Cards. The applied Interchange fee resides at 0.20% for debit/prepaid cards and 0.30% for credit cards for domestic transactions.

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 0,15 PLN per transaction applies

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

Other Fees

Refund cost

Payment acceptance fees + 1,30 PLN

Cancellation cost

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Card Present Acquiring Fees*

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

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa(1)	✓	✓	1,10%	–
Mastercard(1)	✓	✓	1,10%	–
Maestro(1)	✓	✓	1,10%	–
Diners	✓	✓	1,10%	–
Discover	✓	✓	1,10%	–
Amex(1)	2,20%		0,50%	-
Alipay	2,40%			-
JCB**	✓	✓	1,10%	–

Alternative Payment Methods
Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Klarna	4,99%			1,50 PLN

*Minimum Fee of 0,15 PLN per transaction applies.

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

Other Fees

Refund cost

Payment acceptance fees + 1,30 PLN

Cancellation cost

FREE

Refund cost Klarna

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Online Payments Acquiring Fees

Domestic 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 PLN
Mastercard(1)	2,19%	0,24 PLN
Maestro(1)	2,19%	0,24 PLN
Diners(1)	2,19%	0,24 PLN
Discover(1)	2,19%	0,24 PLN

(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 + 1,30 PLN

Cancellation cost

FREE

3d secure authentication

0,13 PLN per attempt

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Online Payments Acquiring Fees

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

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa(1)	✓	✓	1,20%	0,24 PLN
Mastercard(1)	✓	✓	1,20%	0,24 PLN
Maestro(1)	✓	✓	1,20%	0,24 PLN
Diners(1)	✓	✓	1,20%	0,24 PLN
Discover(1)	✓	✓	1,20%	0,24 PLN
Amex(1)	2,20%		0,50%	0,24 PLN
JCB**	✓	✓	1,10%	0,24 PLN
PayPal(2)	0,10%

Alternative Payment Methods
Payment method	Interchange	Processing Fee
Klarna	4,99%	1,50 PLN
Pay on Delivery	–	0,47 PLN
Przelewy24/P24(3)	1,95%	-
PayU(3)	2,30%	-
BLIK	1,40%	-
Trustly(4)	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)PayByLink is provided by PayU/P24.

(4)A minimum fee of 2,56 PLN applies.

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

Other Fees

Refund cost

Payment acceptance fees + 1,30 PLN

Cancellation cost

FREE

Refund cost Klarna

FREE

Refund cost Przelewy24/P24

3,00 PLN

Refund cost PayU

3,00 PLN

Refund cost BLIK

3,00 PLN

Refund cost Trustly

2,69 PLN

Refund fee (Additional payment methods)

3 PLN/Transaction

Card Verification (with Zero Amount)

0,24 PLN

3d secure authentication

0,13 PLN per attempt

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Over the Phone - Acquiring Fees*

Domestic Consumer Cards. The applied Interchange fee resides at 0.20% for debit/prepaid cards and 0.30% for credit cards for domestic transactions.

Payment method	Interchange	Processing Fee
Visa	2,19%	0,99 PLN
Mastercard	2,19%	0,99 PLN
Maestro	2,19%	0,99 PLN
Diners	2,19%	0,99 PLN
Discover	2,19%	0,99 PLN

*Relates to Virtual Terminal and MOTO.

Other Fees

Refund cost

Payment acceptance fees + 1,30 PLN

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Over the Phone - Acquiring Fees*

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

Payment method	Interchange	Scheme	Viva.com Acquiring Fee	Processing Fee
Visa	✓	✓	1,20%	0,99 PLN
Mastercard	✓	✓	1,20%	0,99 PLN
Maestro	✓	✓	1,20%	0,99 PLN
Diners	✓	✓	1,20%	0,99 PLN
Discover	✓	✓	1,20%	0,99 PLN
Amex	2,20%		0,50%	0,24 PLN
JCB	✓	✓	1,10%	0,24 PLN

*Relates to Virtual Terminal and MOTO.

Other Fees

Refund cost

Payment acceptance fees + 1,30 PLN

Cancellation cost

FREE

Daily Sales Clearance

FREE

Mastercard Send

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

Visa Direct

Merchant rebates, Fast refunds, Marketplace payouts

Fee per transaction: 0,40%

Max: 2,27 PLN

Min: 0,37 PLN

viva.com Account

Plans (monthly subscription)
- ✓
  Zero: 0 PLN*
  Terminal IDs & websites: per item**
  Digital Cards: unlimited
  Real Time Settlement: yes
  Users: per user***
  
  *min monthly charge 22 PLN
- ✓
  Default: 22 PLN
  Terminal IDs & websites: up to 3**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 4
  Users: 2***
- ✓
  Standard: 58 PLN
  Terminal IDs & websites: up to 10**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 15
  Users: 3***
- ✓
  Premium: 88 PLN
  Terminal IDs & websites: up to 20**
  Digital Cards: unlimited
  Real time settlement: yes
  Free Outgoing Transfers: 30
  Users: 5***
  
  **Cost per extra Terminal ID & websites, viva.com Smart Checkout:
  Monthly charge: 9 PLN
  
  ***Cost per extra User
  Monthly charge: 4,50 PLN
  
  *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: 22 PLN
  Support level: Digital /Human Agent Chat
- ✓
  Premium: 88 PLN
  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
- ✓
  Transfer money
  Applies to any PL bank account
  4,20 PLN
- ✓
  Cash withdrawal fee
  2% of transaction value (minimum 4,40 PLN , maximum 22,00 PLN)
  first 3 withdrawals or first 4.400,00 PLN per calendar month: FREE
- ✓
  Foreign currency transaction fees
  3% on transaction value
- ✓
  Cash Withdrawals
  Applies to viva.com Cards
  5000 PLN per day
  90 000 PLN per month
- ✓
  viva.com digital business debit card
  FREE
- ✓
  Order of a physical viva.com debit card
  Monthly fee: 13,00 PLN
- ✓
  IBAN designator (GR)
  Monthly charge: 44,00 PLN
Account Charging
- ✓
  Visa, Mastercard, Maestro
  1,9% + 0,1 PLN (minimum charge 0,3 PLN)
- ✓
  American Express
  2,9% + 0,1 PLN (minimum charge 0,3 PLN)
Merchant's Breach & Investigation Fees
- ✓
  Merchant's Breach Fee
  A Merchant's Breach Fee is applicable, in the event of verified fraudulent activities.
  1470 PLN
- ✓
  Account Investigation Fee
  1050 PLN
- ✓
  Card Investigation Transaction Fee
  84 PLN per transaction
- ✓
  Payout Investigation Transaction Fee
  84 PLN per transaction
- ✓
  Confiscations
  880 PLN (per confiscation)
Dispute Fees
- ✓
  Disputes/ Chargeback
  20 PLN per Lost Transaction

The above pricing is effective as of 18/12/2024 18:00 CET. Pricing updates on a monthly basis.

Pricing

Price pack for Domestic 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

Account Charging

Merchant's Breach & Investigation Fees

Dispute Fees