Following the provisions of EC Regulation 751/2015 and the Payment Services Directive 2 (PSD2), Viva.com uses a transparent Interchange++ pricing model for card acquiring services. This pricing model provides transparency by showing the different components that make up the total processing fee.
Your total fee consists of three parts:
Fee component | What it means |
Interchange | The fee set by the card issuer (the bank that issued the customer's card). |
First "+" – Payment scheme costs | Fees charged by the card scheme (such as Visa or Mastercard). These fees are typically lower than interchange fees. For e-commerce and MOTO transactions, they generally range from 0.15% to 0.65%. |
Second "+" – Viva.com service fee | Viva.com's fee for providing card acquiring services. This fee varies depending on factors such as your business activity, country of residence, and your company's total payment card turnover. |
Interchange fees in the European Union
For debit cards issued by European card issuers, interchange fees are generally 0.2% for most processed transactions.
Depending on the type of card and transaction, interchange fees may be higher and can reach up to 2%.
For more detailed information about interchange and card scheme fees, please visit the Visa and Mastercard websites.
Learn more about our pricing
For a detailed overview of acquiring fees by transaction type, including:
Card Present
Card Not Present
Over the phone
please visit our pricing page.
Still need help? Our team is here to support you. Please contact us via the Chat with us option in your Viva.com account.