Viva Wallet

Viva Wallet is a cloud-native European payment platform and licensed bank headquartered in Athens, Greece. It serves merchants across 24 European countries with tap-to-device payments, card issuing, business accounts with local IBANs, and merchant cash advance — all built on a proprietary, fully cloud-based infrastructure with no legacy hardware dependencies.

The platform offers an omnichannel payment gateway for online stores, a POS application for in-store sales, and virtual debit card issuance from the same business account. Smart Checkout optimises conversion across device types, while open API access lets developers embed Viva Wallet's financial services into any application.

Key benefits:

• Tap-to-device payments using any Android or iOS device as a POS terminal
• Business IBAN accounts with local account numbers across 24 countries
• Card issuing for virtual and physical Mastercard debit cards
• Merchant cash advance for eligible businesses based on transaction history
• Online payment gateway with Smart Checkout conversion optimisation
• Open API for embedding financial services in custom applications

Viva Wallet is regulated as an EU-licensed banking institution by the Bank of Greece and is subject to full EU banking, PSD2, and GDPR compliance. Founded in 2010 and recognised as Greece's first fintech unicorn after a 2022 partnership with J.P. Morgan, it operates cloud infrastructure across EU data centres.