Viva.com
Viva.com is a European (EEA-based) fintech-infrastructure provider (Payment gateway, Card issuing software, IBAN sponsor). Verified at source - licence, regulator and registry reference. Active (JPMorgan)
Who it's for
Viva.com is built for merchants and platforms accepting online payments with the local methods European customers expect. It operates with a full banking licence - deposit-guaranteed accounts and credit products are on the table. Verified stand-outs: local IBANs in GR; published entry pricing (from 2.06%/tx (0% w/ cashback card)).
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Greece)
- Local IBANs: GR
- Client funds: deposits at a credit institution - deposit guarantee scheme applies (up to EUR 100,000)
What Viva.com does
Capabilities & rails
- 🌐 Local-payments coverage: Regional / pan-European
- Local payment schemes: iDEAL, Bancontact, Przelewy24, Klarna
- E-commerce integrations: Shopify, WooCommerce, Magento, PrestaShop
- 🛤️ Payment rails (documented): SCT · SCT Inst
- Account model: Dedicated
- Account currencies: EUR
- Entry price: from 2.06%/tx (0% w/ cashback card) (as of verification - confirm at source)
Verified licence profile
Viva.com (Greece) - payments, card issuing and business accounts across the EEA-31 and UK; ALL account IBANs are Greek (GR) - help centre (Jan 2026): "the option to select or issue a local IBAN is not supported" (earlier local-IBAN positioning withdrawn; the account product page no longer mentions IBANs at all). Greek banking licence (VIVABANK SA) + EMI, Bank of Greece; JPMorgan majority owner.
Verified 2026-07-20. How we verify → · Spotted something out of date? Report a correction. · Are you Viva.com? Work with us →
Official register entries
- E-money institution (EMI) - Central Bank of Hungary · Ref 27919750 · Active (EBA PSD2 register, as of 2026-07-18)
- E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 989273 · Active (FCA Financial Services Register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
Timeline
- 2026-01-19 [product] Help centre confirms all IBANs issued are Greek (GR) for all customers - "the option to select or issue a local IBAN is not supported"; earlier local-IBAN positioning across EEA markets withdrawn.
Similar verified European providers
🏦 Local IBANs: NL
Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).
🏦 Local IBANs: LU
Mangopay (Mangopay S.A., Luxembourg) - marketplace and platform payments with per-user virtual IBANs. EMI, CSSF.
🏦 Local IBANs: LT
Paysera (Lithuania; since 2012) - LT IBANs, SEPA, multi-currency accounts and cards. EMI LB000251 (Bank of Lithuania).
🏦 Local IBANs: LT
Bankera (Lithuania) - business and personal banking (LT IBANs, SEPA/SWIFT, cards) operated via UAB Pervesk (EMI, Bank of Lithuania). Earlier 2017-18 ICO-funded history.
🏦 Local IBANs: LT
ConnectPay (Lithuania) - BaaS and embedded finance for platforms (accounts, payments, cards). EMI No. 24 (Bank of Lithuania); PIS/AIS extension 2024.
🏦 Local IBANs: LT GB
DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.
FAQ
Is Viva.com European / EEA-based?
Yes. Viva.com hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Greece.
What does Viva.com do?
Viva.com covers: Payment gateway, Card issuing software, IBAN sponsor. Verified at source by Fintechnologica.