The merger combines Viva Payments and VivaBank into Viva.com Tech Bank, a fully digital European Tech Bank focused exclusively on serving merchants. This merger ensures a more robust and seamless service offering, combining payment solutions with a wide range of banking services. This means better access to local payment systems, advanced credit options, and deposit solutions, helping you streamline operations and improve financial management.

Viva.com, as Europe’s first Tech Bank for Merchants, integrates both banking and payment solutions, offering a comprehensive suite of services tailored for businesses. Unlike traditional banks, which are generally focused on consumers, Viva.com is designed specifically for merchants, with services such as merchant loans, and flexible banking solutions, enabling faster transactions and more customized support.

There will be no disruption to your current services. All rights, obligations, and contracts of Viva Payments will be seamlessly transferred to Viva.com Tech Bank. Merchants don’t need to take any immediate action. You will be notified of the merger and given a two-month opt-out window if desired. Services will be expanded with new features and enhanced banking solutions.

Yes, your existing payment services (POS, Tap on Any Device, business debit cards) will remain fully functional. There are no immediate changes to your service offerings, and the merger ensures continuity without disruption.

No, there are no changes to transaction fees or account details. The IBANs will remain part of your commercial policy and continue to be part of your account services. The login credentials and customer support channels will also remain the same. The merger will enhance your access to additional banking services.

"With the merger, Viva.com will introduce:

You can access the 2% deposit product and other services by simply maintaining your business relationship with Viva.com. The services will be available to you once the merger is complete, and you will be notified about how to take advantage of these new offerings.

By the end of the two-month transition period (April 3, 2025), your existing eMoney Wallets will transition into non-interest-bearing deposit accounts, protected under the Deposit Guarantee Scheme. There will be no disruption in your ability to access and manage your funds, and you will be notified of any further updates regarding this transition.

There are no significant changes to how your business data is handled. Viva.com will continue to protect your data as per existing privacy regulations.

The updated data protection policy reflects the changes brought by the merger, ensuring your data protection rights remain unaffected. The updated data protection policy is available on the Viva.com website.

The terms of service are updated to reflect the changes brought by the merger. These updated terms will be available for review on the Viva.com website, and you will be notified of any modifications. You can read them there and confirm your agreement.

If you do not agree with the new terms, you will have the option to opt out of the services during the provided two-month window. However, agreeing to the new terms will allow you to continue receiving expanded services.

Yes, viva.com is regulated as a bank and will continue to ensure that all services are compliant with European banking regulations. The merger improves the compliance process, and as part of the new structure, viva.com will offer better compliance tools for merchants.

Yes, your deposits will be protected under the Deposit Guarantee Scheme, ensuring up to €100,000 per account holder, just like with any regulated bank. This provides an added layer of security for your funds.

Viva.com’s banking and payment platforms are secure, with robust encryption and compliance with industry standards. As a regulated bank, it follows strict regulatory requirements, ensuring the safety and confidentiality of your financial data.

The merger is in effect on February 1st, 2025. There will be a 2-month transition period until April 3rd, 2025 when the merger will conclude operationally. During this period we will keep you informed of any updates that will be available to you with due notice.

During the transition period, your services will remain unaffected. Viva.com will work behind the scenes to integrate the services and systems, ensuring a seamless transition for you as a merchant. There will be no immediate changes, and you will be notified of any new updates or features, like the transition of your accounts to deposit accounts.

If you wish to terminate your collaboration with Viva.com, you can do so according to the existing terms in your agreement. There are no additional exit fees imposed as part of the merger, and the process for ending the collaboration remains the same as before the merger.