viva.com Reviews 

Very helpful and kind!

Service and solution

They get one star because I can't leave no star. These people are unprofessional and shady, to say the least. I find myself having to make a formal representation to the FCA and the Ombudsman now, because they think they can do what they want without repercussions.
Use PayPal, Stripe, or one of the many payment gateways out there.n These Cretins need to be barred from the UK.

Every question answered.

Very helpful staff. My request was dealt with very fast

As a business operating in Europe, finding a financial partner that seamlessly merges payment processing with fully functional banking infrastructure can be a major hurdle. Viva.com has completely solved that problem for us.Here are the standout reasons why we highly recommend them:Flawless Tap-on-Device Technology: Their in-person payment system turns standard devices into payment terminals effortlessly. It has significantly cut down our hardware costs and accelerated checkout times.True All-in-One Platform: Managing bank accounts, card issuing, and omnichannel payment processing under a single digital roof makes daily financial operations incredibly efficient.Massive Partner Ecosystem: With access to over 450 technology partners, integrating Viva.com into our existing software stack and business operations was smooth and hassle-free.Zero Bureaucracy: True to their word, onboarding was exceptionally fast. We bypassed the typical weeks-long traditional banking paperwork and got up and running almost instantly.

Great experience, the problem resolved :) patient support team member

Professional and efficient

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 10 euros in an empty account without monthly reports...

The indication on the website that you are all set and done just after a couple of questions with no paperwork is false, it takes at least 1-4 workdays (no clearance in the weekend) to clear your account to be able to receive payments or do payments yourselve.
A pity, the one star is for Beth who explained this problem clearly to me.

Update31/08/2026:
First workday and at 10:30 i got a phone that everything was cleared and we were good to go to recieve payments. So a couple of stars more added.

Update 04/09/2026:
In all the smartphoneapp and the backoffice are working perfectly to accept payments with cards or smartphones.
The costs untill now are acceptable and within the margins of what other firms ask. So another star added.

i received all the critical information to complete what i wanted only by communicating with the chat personell.

They connect you with a real person that knows what's going on. Also there is internal communication and you don't need to repeat everything when redirected to another department.

Andrew was very helpful, polite and professional

The chat helped me to solve my issue with the POS very fast and easy.

DO NOT USE VIVA 30% TRUSTPILOT IS 1 STAR REVIEWS 500 OF 2000 REVIEWS THATS 1 OF 4 CUSTOMERS GETS ROBBED, THEY WONT CLOSE MY ACCOUNT, I CANT CLOSE IT AND IT KEEPS CHARGING ME. IM GETTING ROBBED, LOOK AT THE GENERIC BOT RESPONSES ON ALL THE 1 STAR REVIEWS

Viva wallet changed its policy about payments and started charging me 4,99 a month without me knowing it, i opened my account wich i left with a balance of 0.80 cents and its says i owe them 350 euros. This is the clearest fraud of all time.

Nikolaos was exceptional. I came into the chat having recently taken over our finance responsibilities, with virtually no onboarding on the Viva portal and quite a few questions.

He was patient, thorough and genuinely helpful from start to finish. He worked through each of my questions individually, explained things in plain English, gave me clear instructions I could actually follow, and took the time to investigate properly when he needed to check something rather than giving me a rushed answer.

What really stood out was how reassuring he was, that he could help, and indeed would help, how comfortable he made me feel asking questions even though I did bombard him somewhat, and when I openly admitted I had very little idea what I was doing in the portal he was not visibly fazed or frustrated. At no point did I feel hurried or made to feel that I should already know the answers, or go find them myself, although he did signpost accordingly and tell me how to do that if I would prefer, he told me how to contact Viva sales, and how to call, who would be able to assist in the future etc.

He helped me understand reporting, transferring funds, automatic payouts, where to get further support and onboarding, and also spent time looking into the structure and permissions on our account.

This was genuinely one of - dare I say even THE best customer support experiences I have ever had. Nikolaos is an absolute credit to Viva, and I hope this feedback reaches his manager at the very, very least, because the quality of support he provided deserves to be recognised.

Thank you, Nikolaos, and thanks Viva too.

Regardless of the fact that I was not served, the reason I am giving you a positive review is the prompt assistance provided by your staff and their politeness.”