We’ve been using cardpayment trough store alot, and making over 100-150.000€ card payment with no problem. Started to using Viva.com because we visiting customers outside our shop and want to take ca... See more
Company replied
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Review summary
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Reviews shaping this summary
They moved me from a free service to a subscription without notification.. they said they emailed me but i never received anything and they declare that their tos allows them to do this. No email noti... See more
Company replied
They promote in Greece that you ll have pos service in 4 days ... 18 days now still waiting and they cant find the problem on documents. Dont allow you to talk on phone only chat (sometimes bots) to g... See more
some kind of scam, first payment comes, account blocked, stay away Dear Customer, For security reasons, kindly provide documents proving the context of the below transaction(s) (i.e.... See more
Company replied
Company details
Written by the company
We are viva.com: A European Tech Bank, with presence in 24 countries. We are the first European payment services provider entirely cloud-based, over Microsoft Azure. Viva.com is a Principal Member of Visa and MasterCard for acquiring and issuing services with direct connectivity to the Card Schemes providing processing services through our own platform. We offer businesses of all sizes an opportunity to accept 38+ payment methods including a wide variety of card schemes, digital wallets, local payment methods and more! We are a licensed E-Money Institution, based on the provisions of European Commission’s PSD1 and PSD2 Directives with passporting rights and E-Money license across the entire EEA-31 region. Viva Payments Services S.A. is authorised by the Financial Conduct Authority under the Payment Service Regulations (registration number 900595) for the provision of payment services.
Contact info
West Wing, Ashton House, Silbury Boulevard , MK9 2AH, Milton Keynes, Buckinghamshire, United Kingdom
- support@viva.com
- viva.com
2.8
Average
2K reviews
Replied to 90% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Viva is Ithaca
I am a server at viva. The reason I chose to work here is because of the menu (margaritas as well as food), the environment, and the amazing staff. I am happy to say that I am proud to still be an employee and grateful to be serving our wonderful community. I know the transition hasn't been perfect but I would like to give a huge shout out to our amazing new owner Katie. She is more than a boss, she is innovative, community oriented, caring, and holds us (her staff) to the highest standards. I hope to see you all soon.
3 October 2025
Unprompted review
Highly responsive team.
Highly responsive team.
A great add value in the products and services.
29 September 2025
Unprompted review
We’ve been using cardpayment trough…
We’ve been using cardpayment trough store alot, and making over 100-150.000€ card payment with no problem. Started to using Viva.com because we visiting customers outside our shop and want to take cardpayments directly.
1-2 transactions were okey, after the third they blocked the account and i’m still waiting for the department reviewing 2 documents. Yes, 2 documents taking more than 72 hours. The customer support answering same answers like an robot. I want my case to be solved. Our money is Held by Viva.com
24 September 2025
Unprompted review
Reply from viva.com
Dear Tarik,
We apologise for the experience you have had so far.
As you have been informed via email, the issue you have been facing is now resolved.
Thank you for your patience,
The Viva.com team
Not worth taking the risk. UK card terminal providers and banks are still far more reliable and secure.
The staff are arrogant and unprofessional. Although they claim to have an office in the UK, it is powerless. All communication is handled through an office in Europe (most likely Cyprus), where the chat staff seem more interested in passing time than providing real support. They have no understanding of how to properly run a business. I am 100% certain this is simply an investment company, not experts in the market. Be cautious—do not trust them with your account details, as your information will not be secure.
24 September 2025
Unprompted review
Reply from viva.com
Dear Sam,
We requested your contact information so that we can get in touch with you but we did not receive a reply. We apologise if you experienced any inconvenience while using Viva.com products and services. If you would like to contact us, regarding your matters, please use our chat service or send us an email from your registered email address to support@viva.com, and our customer service department will do our best to assist you.
Kind Regards,
The Viva.com team
Absolutely terrible service!
Absolutely terrible service!! My card terminal has been down for nearly 4 weeks!!
Sent me out a replacement 2 weeks after my initial request… terminal did not work!!
Still waiting for a new one!! I’m a small business and the financial impact it has had on the business is immense.. they don’t care!! Find another card supplier!!
22 September 2025
Unprompted review
Reply from viva.com
Dear Mikey,
We requested your contact information so that we could get in touch with you, but we did not receive a reply. We’re truly sorry to hear about the inconvenience caused by the issues with your card terminal and understand how impactful this can be for a small business.
If you would like us to assist you further, we kindly ask you to contact us via our live chat service so that our customer support team can look into your case and help you resolve it as quickly as possible.
Kind regards,
The Viva.com team
Payment never reached recipient
My girlfriend and I bought a couch for €2024 from a company called Woonenzo in Eindhoven on 18 July 2025. Woonezo sent me a payment link where Viva was the payment method used. The initial reaction from Woonenzo was that they received the money, but they later notified me that the money was indeed not received.
We opened a fraud case with out bank (Revolut) and after a month they said they couldn't retrieve the money.
I do not know what happened, but it is unacceptable that a payment is made and Viva did not ensure that it reaches the recipient.
Our next step is to report this case to the authorities.
I strongly recommend not to use their services.
18 July 2025
Unprompted review
Reply from viva.com
Dear Armand,
We requested your contact information so that we can get in touch with you but we did not receive a reply. We apologise if you experienced any inconvenience. Please contact us regarding your matter via email to support@viva.com, so that we can better assist you.
Kind Regards,
The Viva.com team
Not recommended read my review and then decide
Not recommended to any one i had two account with them try to close my accounts I requested to deactivate my both accounts ,at the time of request my both accounts was zero they took so long and for some reason they keep putting fees on my account i ended up on debt on my account had to pay still one of my account activate i complained twice as well they couldn’t do anything 😡😡😡😡😡😡😡😡😡😡😡😡🤬
9 September 2025
Unprompted review
Reply from viva.com
Dear Aryan,
We requested your contact information so that we can get in touch with you but we did not receive a reply. We apologise if you experienced any inconvenience during your account deactivation request. In case you continue to face the same issue, please contact us via our LIve chat service so that we can better assist you.
Kind Regards,
The Viva.com team
I have been using Viva for a while for…
I have been using Viva for a while for my website and decided to go with a machine for my shop. Found Matt, the area rep very helpful, not pushy for a sale. Quick payment from sales makes this a no brainer decision for me
4 September 2025
Unprompted review
Very bad services from my experience
Very bad services from my experience. First, the voucher that we had in our phones , me and my wife, 3 years before never worked. We went to North Evia to cash in the voucher of 150 euro and we were forced to pay from us. We had multiple telephone contacts with the company and no one could give us a solution. Second, last year we went to a concert at Katrakio Theater and our tickets from Viva didn't pass the check so we went to a kiosk to find a solution. Finally we got our tickets but we spent at least 20 minutes waiting in line. At the same time the concert had already begun. Third and final, i paid my insurance at 14th of July 2025 of my motorbike with my credit card by instalments and they got the full amount at once from my account.
Very bad services from my little experience.
14 July 2025
Unprompted review
Reply from viva.com
Hello,
We requested your contact information so that we can get in touch with you but we did not receive a reply. We believe you have confused us with another business.
1. North Evia Pass - there were specific limitations to it's usage https://vouchers.gov.gr/northeviapass2023. Although Viva.com did participate in the issuing of these passes, we were not responsible for eligible businesses.
2. Viva.com does not sell concert tickets.
3. We provide our customers with debit cards and paying in instalments is not an option in this case.
In the future, please feel free to contact us regarding your matters via our Live chat service so that we can better assist you in real time.
Kind Regards,
The Viva.com team
Don't trust this company
I used Viva's service for several months. I had no problems. I was told that a rolling reserve of 15% would be placed on my account for the first three months, which was fine with me. There were some misconceptions about the release, but that could have been due to my own inattention...
A little later, €10,000 was frozen and I received a notification that it would be held for 90 days because they considered me a risk, something that had been indicated in advance as not being possible. Reason: I have too high a dispute percentage, but these disputes only came in later, so I was never able to take any action against them.
It has now been six months. I have been trying to contact Viva for months and am sent away without any information every time. That 10k is still frozen on the account and I am getting zero clarity (after having contacted them more than 10 times). It's one thing that money is being held, but the fact that communication is so unclear, the case is not being taken seriously, and there is zero clarity is a disgrace. My account manager has not responded to my messages for months, there is no one I can reach, and the service is extremely poor. In other words, do not use Viva's service.
24 August 2025
Unprompted review
Reply from viva.com
Dear Kasper,
Thank you for sharing your feedback. We’re sorry to hear about your experience and understand your concerns regarding account reserves and communication.
Please note that we’re unable to discuss account-specific matters on a public platform like Trustpilot. All relevant information regarding your account status and funds is communicated directly by the designated department.
Kindly note that all disputes appear in your Viva.com account interface in real time - pls refer to our FAQ link: https://euhelp.viva.com/en/collections/3065097-transaction-disputes-business
Viva.com operates in full compliance with applicable laws, regulations, and international card scheme requirements. Account-related decisions, including fund reserves, are taken only when necessary and in line with these standards.
If you still have questions, we kindly encourage you to continue the conversation through our Live Chat channel which you can access while logged in to your User Interface.
Kind regards,
The Viva.com team
Reply from viva.com
Dear Mr. Maloutas,
Thank you for your feedback. We’re sorry to hear about your concern regarding fees.
As we haven’t received any identifying information, we’re currently unable to locate your account and investigate further. Please note that all pricing and fee details can be accessed at any time on our website.
If you would like us to review your case or clarify anything specific, we kindly invite you to contact us via live chat.
Kind regards,
The Viva.com team
0 professionalism, save yourself some time
Accepted us then without a reason and without any grace period terminated the agreement.
No SDKs
Absolutely unprofessional company.
2 August 2025
Unprompted review
Reply from viva.com
Hello Mr. Wiśniewski,
Thank you for your feedback. We’re sorry to hear that your experience did not meet your expectations.
Please note that we are unable to provide further details regarding account closures here on Trustpilot. However, we can confirm that all relevant information concerning your account status was communicated to you directly by the appropriate department.
Viva.com operates in strict compliance with applicable laws, regulations, and the rules set by international financial institutions. Account closures are carried out only when there is valid justification, and in accordance with these standards.
Kind regards,
The Viva.com team
Closed my account after taking payments…
Closed my account after taking payments for 4 days. Without giving me reason. People in emails from risk team are very rude!
24 July 2025
Unprompted review
Reply from viva.com
Dear Maciej,
Thank you for sharing your feedback. We’re sorry to hear about your experience and understand your frustration.
Please note that we are unable to provide account-specific details through public platforms like Trustpilot. As we have not received any additional identifying information, we’re currently unable to review your case in more detail.
Kind regards,
The Viva.com team
No personal contact is possible
No personal contact is possible. How can i close my account with VIVA.COM ?
24 July 2025
Unprompted review
Reply from viva.com
Dear Mr. Van Bogaert,
Thank you for your feedback. We requested your contact information so that we could get in touch with you, but we did not receive a response.
We’re sorry if you’ve experienced any inconvenience while using Viva.com’s services, especially regarding your account closure request. To assist you efficiently and securely, we kindly invite you to contact us via our live chat service, where our team will be happy to help you with the process. In case you have already submitted an account closure request, you will be informed about its progress in your registered email address.
Kind regards,
The Viva.com team
fraude problems
cashback is nice, but no personal contact possible in case of fraude and VERY pour fraude service and high risk. This is not OK
12 July 2025
Unprompted review
Reply from viva.com
Dear Mr. Vander Linden,
Thank you for sharing your feedback. We’re sorry to hear about your concerns regarding fraud support and understand how important this matter is.
At Viva.com, we take all reports of fraud seriously and aim to provide clear, secure, and timely assistance to all our users. For any unresolved issues or to receive dedicated help, we kindly invite you to contact us directly via our live chat service.
We remain committed to supporting you and ensuring a secure experience with Viva.com.
Kind regards,
The Viva.com team
Charge mee for nothing and can't cancel…
Charge mee for nothing and can't cancel the account as a company owner
12 July 2025
Unprompted review
Reply from viva.com
Dear Christian,
We requested your contact information so that we can get in touch with you but we did not receive a reply. We apologise if you experienced any inconvenience during your account deactivation request. In case you continue to face the same issue, please contact us via our chat service so that we can better assist you.
Kind Regards,
The Viva.com team
I have started a small business
I have started a small business, and I was looking for low commissions on business accounts and POS, so I found myself with a debt of 172 euros on my account in the first two months for a plan that I have no idea how it happened, since I used to pay 4.99€ for my account per month… of course I paid it and I am leaving them… also something very important you talk via chat, and unfortunately to find solutions to your problem it takes 2-4 days! as well as hours… unfortunately but they are unacceptable!
11 July 2025
Unprompted review
Reply from viva.com
Dear Mr. Fragoulopoulos,
Thank you for taking the time to share your feedback. We’re truly sorry to hear about your experience and understand how frustrating unexpected charges and delays in support can be—especially when you're starting a new business.
As we have not received any identifying information, we're unable to locate your account and investigate further. We would appreciate the opportunity to review your case and clarify any misunderstandings regarding your plan or fees. Please feel free to contact us via our live chat or send an email to support@viva.com from your registered email address.
We're here to help and would be happy to support you further.
Kind regards,
The Viva.com team
Obrigado Marco Esteves
26 June 2025
Unprompted review
Reply from viva.com
Olá Fernando,
Agradecemos muito pela sua avaliação! Estamos aqui para garantir que os pagamentos sejam simples e sem complicações para comerciantes como você.
Se precisar de algo, estamos sempre a uma mensagem de distância pelo chat.
– A equipe viva.com
Worst service ever I had.they took…
Worst service ever I had.they took money from account without any reason my €3k still stuck with them if you are new please avoid them better to go with sumup or worldpay
1 June 2025
Unprompted review
Reply from viva.com
Dear Muhammad,
Thank you for sharing your feedback. We're truly sorry to hear about your experience.
We attempted to reach out for more information so we could look into this matter, but unfortunately, we have not received a response. Please note that viva.com operates in compliance with all applicable regulations and card scheme rules, and we do not withhold funds without cause or due process.
If you would like us to investigate further, we kindly encourage you to contact us directly via our live chat with your case details. We’ll do our best to assist you.
Kind regards,
The viva.com team
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