I can process all types of cards easily and recently new useful features were added. Only drawback that they don't allow charging cards without physical presence except for hotels. Very annoying.
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Review summary
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Reviews shaping this summary
Update! After 2 days from my report reviewing my acount the issue is solved! they return my balance to normal! Great experience with the support team . But the services is bad they charge me monthly... See more
I'm just writing to encourage Tan Nyamande and thank him for the work he did in helping me with my onboarding onto the Viva.com platform. He was able to guide me through the process and for this I... See more
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 e... See more
Company details
Written by the company
Viva.com is the 1st full-fledged Tech Bank in Europe for businesses, operating across 29 European countries. From payments to financing, everything is connected. Viva.com brings together payments, banking services, tailored financing and all-in-one business solutions on a single integrated platform. Viva.com’s offering spans across omnichannel payment acceptance, deposit accounts, card issuing, and a broad suite of financing solutions - including working capital, and factoring - alongside fiscalisation services, giving businesses across all verticals access to the tools they need to run their operations efficiently, with one provider. Built on cloud-native technology, Viva.com pioneered and leads in Tap on Any Device technology, enabling acceptance on any Android device or iPhone, while connecting directly to all major international and local card schemes, local payment systems, and alternative payment methods across Europe.
Contact info
West Wing, Ashton House, Silbury Boulevard , MK9 2AH, Milton Keynes, Buckinghamshire, United Kingdom
- support@viva.com
- viva.com
3.8
Great
2K reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 95% of negative reviews
Typically replies within 2 weeks
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Failed to deliver when it mattered
Viva caused us to loose access to our recently verified business account, they were unable to have our daily transfer limits raised in time, to complete a property sales deed, and in short failed to delivered when it mattered.
We lost access to our account for 20 hours, we were never informed why - whether this was due to a technical error related to the password reset mechanism, or session cookies or a combination thereof - and it has taken risk over 24 hours on a work day to approve a raise in our daily transfer limit to conduct two transactions related to a property purchase for which documentation has been provided. All entities and transactions (incoming/outgoing) relate to Greek accounts.
The result is that we missed the scheduled date to close the acquisition, twice, had to postpone the contract by two weeks and incur additional fees and administrative actions related to closure.
The service staff is very professional on the phone and chat.
Account: xx35721 - karorigroup
29 July 2026
Unprompted review
Reply from viva.com
Hello Dimitris,
Thank you for taking the time to share your feedback. We're sorry to hear about your experience and understand how frustrating this situation must have been, particularly given the time-sensitive nature of your transaction.
We're pleased that the matter has since been resolved and appreciate the opportunity to have assisted you. Thank you as well for your kind words about our Customer Support team.
If you need any further assistance, our 24/7 live chat team remains available to help.
Kind regards,
The Viva.com team
Reply from viva.com
Dear customer,
Thank you for your review! We're happy to hear that you received an immediate response and had a positive experience with our team.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Perfect service!
30 July 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for your review! We're happy to hear that you had a perfect experience with our service.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Reply from viva.com
Dear customer,
Thank you for your review! We're happy to hear that you had a very good experience with our service.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Fantastic Onboarding & Ongoing Experience
Fantastic onboarding experience and integration into our web site. Seamless... And excellent reporting capability and notifications.
28 July 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for your review! We're happy to hear that your onboarding and integration experience was seamless and that you're enjoying our reporting features and notifications.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Completely Unacceptable Experience – No Transparency, Funds Withheld
I rarely leave negative reviews, but my experience with this company has been extremely disappointing.
After completing every verification they requested—including identity verification and business verification—my account was suddenly suspended without any meaningful explanation. I received nothing more than a brief notification saying my account was suspended. There was no specific reason, no indication of what policy I had supposedly violated, and no estimated timeframe for resolving the issue.
To make matters worse, my funds have effectively been locked, and I'm unable to withdraw them. Despite contacting support multiple times, I still haven't received a clear explanation of why this has happened or when I can expect access to my money again.
The most frustrating part is the complete lack of transparency. If a financial platform decides to suspend an account or restrict access to funds, customers deserve a detailed explanation and a realistic timeline—not vague, automated responses that answer none of the important questions.
I trusted this company enough to build my business on their platform, completed all of their compliance checks, and followed their verification process. In return, my account was suspended, my funds became inaccessible, and I was left without any clear communication or practical support.
If you're considering using this platform for your business, be aware that if something goes wrong, you may struggle to get clear answers or timely assistance. Businesses depend on reliable payment services and transparent communication, and unfortunately, that has not been my experience.
I sincerely hope the company improves its customer support, communication, and transparency, because the current experience has been unacceptable.
27 July 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for taking the time to share your feedback. We're sorry to hear that your experience did not meet your expectations.
We reached out to request your account details so that we could investigate the concerns you described. Unfortunately, we did not receive a response, so we were unable to identify your account or review the matter further.
If you would still like us to look into this, please contact us via our 24/7 live chat or at support@viva.com with your account details. Our team will be happy to investigate your concerns and assist you further.
Kind regards,
The Viva.com team
Great product
Great product, easy to set up, great API.
Customer service was more than helpful!
27 July 2026
Unprompted review
Reply from viva.com
Hello Andrei,
Thank you for your review! We're happy to hear that you found our product easy to set up, enjoyed working with our API, and had a great experience with our Customer Support team.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Fast response
27 July 2026
Unprompted review
Reply from viva.com
Hello Miguel,
Thank you for your review! We're happy to hear that you received a fast response and had a positive experience with our team.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Best payment solution
Great product, rapid service, top reporting portal
17 June 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for your review! We're happy to hear that you're enjoying our payment solution and that you've had a great experience with our service and reporting portal.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
THE ANSWERS WERE SPECIFIC AND TO THE…
THE ANSWERS WERE SPECIFIC AND TO THE POINT!
26 July 2026
Unprompted review
Reply from viva.com
Hello Andreas,
Thank you for your review! We're happy to hear that you found our answers clear, specific, and to the point.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
I am very satisfied with Viva Wallet
I am very satisfied with Viva Wallet. Prompt support, professional service, and an excellent customer experience.
26 July 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for your review! We're delighted to hear that you're very satisfied with Viva.com and that our prompt support and professional service made for an excellent experience.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Reply from viva.com
Dear customer,
Thank you for your review! We're happy to hear that you were pleased with the fast and efficient service you received.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Very fast
Very fast, they resolv me the problem in max 5 min. Very thank you
24 July 2026
Unprompted review
Reply from viva.com
Hello Livia,
Thank you for your review! We're delighted to hear that your issue was resolved so quickly and that you had a positive experience with our support team.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Reply from viva.com
Hello Katerina,
Thank you for your review! We're happy to hear that you had an excellent experience with Viva.com.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Quick response
Quick response
I am waiting their answer to my application
24 July 2026
Unprompted review
Reply from viva.com
Hello Andreas
Thank you for your review. We're glad to hear that you received a quick response from our team.
We reached out to request your contact details so that we could review your application and assist you further. Unfortunately, we did not receive a response, so we were unable to investigate your case.
If you would still like us to look into this, please contact us via our 24/7 live chat or at support@viva.com with your details. Our team will be happy to assist you.
Kind regards,
The Viva.com team
Secure and easy to use it!
23 July 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for your review! We're happy to hear that you find Viva.com secure and easy to use.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Reply from viva.com
Dear customer,
Thank you for your review! We're happy to hear that you had an excellent experience with our service.
If you ever need assistance, our 24/7 live chat team is always available to help.
– The Viva.com team
Bad sales rep phone call
Bad sales rep phone call. Insisted that I choose a plan I do not require so I asked him to cancel the account
20 July 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for taking the time to share your feedback. We're sorry to hear that your experience did not meet your expectations.
We reached out to request additional information so we could investigate the concerns you raised. Unfortunately, we did not receive a response, so we were unable to identify your case or review it further.
If you would still like us to look into this, please contact us via our 24/7 live chat or at support@viva.com with your details. Our team will be happy to investigate your concerns.
Kind regards,
The Viva.com team
Secret charges after contract termination
We opened a business account with Viva. Shortly after, we received a letter stating that the contract was terminated—on Viva’s initiative and without a clear or proper explanation. After that, the account was effectively unusable.
However, even though the account is no longer active and several months have passed, the negative balance continues to grow—from 0 € up to around 800 €. When we contact customer support, we only get generic replies saying the case has been “forwarded to the responsible team,” but we never receive a concrete explanation, a detailed statement showing what the deductions are for, or a written resolution.
Most importantly, there is no way in the system to see what exactly the deductions are, their dates, or the legal basis for the charges.
This is unfair and unprofessional. The contract is terminated, the account cannot be used, yet the losses keep increasing without transparency. I recommend avoiding this service.
18 July 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for taking the time to share your feedback. We're sorry to hear that your experience did not meet your expectations.
We reached out to request your account details so we could investigate the concerns you raised. Unfortunately, we did not receive a response, so we were unable to identify your account or review the matter further.
If you would still like us to look into this, please contact us via our 24/7 live chat or at support@viva.com and share your account details. Our team will be happy to investigate your concerns.
Kind regards,
The Viva.com team
Your Viva.com account is temporarily suspended
We opened a Viva.com business account for our company registered in Poland on 23 May 2026. We were attracted by their competitive offer and the promise of fast payouts. The registration process went smoothly—we submitted all the required company documents, which were approved without any questions or concerns. From then on, everything worked perfectly, and we successfully used their payment gateway on our website to accept customer payments.
Unfortunately, on 15 July 2026, we received an email informing us that our account had been temporarily suspended "for security reasons." No specific explanation was provided. At the same time, all of the funds in our account were frozen.
What makes this situation particularly difficult to understand is that throughout our entire cooperation with Viva.com, we had no customer disputes, no chargebacks, no refund requests, and no compliance issues of any kind. Our company operates legally, was fully verified during the onboarding process, and yet we were suddenly denied access to our own funds without any explanation.
Contacting Customer Support was of no help. We were told that only the Risk Department could handle the matter. However, despite sending multiple emails and making it clear that we are fully willing to cooperate and provide any additional documents or information required, we have received no response for several days. The complete lack of communication has been extremely disappointing.
For any business, cash flow is essential. Freezing an account and withholding funds without providing a reason can seriously disrupt normal business operations. As a result, we had to replace Viva.com's payment gateway with another provider almost overnight to avoid further inconvenience for our customers.
We still hope this matter will be resolved and that our account will be reinstated. However, as of the date of this review, we cannot recommend Viva.com. If your business depends on reliable payment processing, transparent communication, and access to your own funds, you should carefully consider whether this is the right payment provider for you.
EDIT: July 24—Still no response from support
15 July 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for taking the time to share your experience. We're truly sorry to hear about the frustration and concern this situation caused.
We can confirm that your case has been reviewed and that the matter regarding your funds has now been resolved. We can also confirm that you spoke with our Customer Support team, who directed you to the existing email communication, where any further updates or information would be provided if needed.
If you have any additional questions or require further assistance, please don't hesitate to contact us via the existing email thread or our 24/7 live chat.
Kind regards,
The Viva.com team
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