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
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Good communication through the chat and clear explanations from the support team. However, waiting one month for an account closure is unacceptable and needs significant improvement.
Company replied
We have been with Viva for a year Viva has saved us hundreds of pounds in merchant fees and saved us on top our monthly merchant dojo units too The service has been excellent throughout and hand h... See more
Company replied
Flawless experience all around!Everything about Viva Wallet has been perfect. The setup was quick, the app is intuitive, and payments are processed without any issues. Customer support is also very he... See more
Company replied
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
3.7
Average
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.
Fast and professional services
Fast and professional services. Thank you very much
June 4, 2026
Unprompted review
Reply from viva.com
Hello Sokratis,
Thank you very much for your feedback! We're pleased to hear that you found our service both fast and professional.
It's great to know that we were able to provide the experience you were looking for. Thank you for taking the time to share your thoughts.
– The Viva.com team
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Best service experience so far from Viva
June 3, 2026
Unprompted review
Reply from viva.com
Dear customer,
It's great to hear that this has been your best experience with Viva.com so far!
We're grateful for your trust and happy that our team was able to make a positive difference. We look forward to continuing to support your business.
– The Viva.com team
Reply from viva.com
Dear customer,
Thank you for your feedback! We're pleased to hear that our team was able to provide the service and solution you were looking for.
Delivering effective support and resolving issues quickly is our priority. If you ever need assistance again, our 24/7 live chat team is always here to help.
– The Viva.com team
Reply from viva.com
Hello Erik,
Thank you for your feedback! We're glad to hear that you found our team friendly, patient, efficient, and professional.
Providing fast and reliable support is very important to us, and we're pleased that your experience reflected this. If you ever need assistance again, our 24/7 live chat team is always here to help.
– The Viva.com team
Tutto ottimo procedure chiare e…
Tutto ottimo procedure chiare e assistenza top
June 2, 2026
Unprompted review
Reply from viva.com
Ciao Stefano,
Grazie per il tuo feedback! Siamo felici di sapere che hai trovato le nostre procedure chiare e il nostro servizio di assistenza all'altezza delle aspettative.
Offrire un supporto semplice, rapido ed efficace è una delle nostre priorità. Se avrai bisogno di aiuto in futuro, il nostro team è sempre disponibile tramite la live chat 24/7.
– Il team di Viva.com
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Reply from viva.com
Dear customer,
Thank you for your feedback! We're pleased to hear that you found our explanations clear and our service fast.
Providing straightforward guidance and timely support is something we strive for every day. If you ever need assistance, our 24/7 live chat team is always here to help.
– The Viva.com team
I am very satisfied with the help and…
I am very satisfied with the help and support they provide to solve my problem. Thank you!
May 25, 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for your feedback! We're glad to hear that our team was able to provide the help and support you needed to resolve your issue.
Your satisfaction is very important to us, and we appreciate you taking the time to share your experience. If you ever need assistance again, our 24/7 live chat team is always here to help.
– The Viva.com team
Οκ everything good
May 30, 2026
Unprompted review
Reply from viva.com
Der customer,
Thank you for your review! We're glad to hear that everything went well and that you're satisfied with your experience with Viva.com.
If you ever need any assistance, our 24/7 live chat team is always here to help.
– The Viva.com team
Quick response and fast solving the…
Quick response and fast solving the problem
May 30, 2026
Unprompted review
Reply from viva.com
Hello Shah,
Thank you for your feedback! We're pleased to hear that your issue was resolved quickly and that you received a prompt response from our team.
Providing fast and effective support is important to us, and it's great to know we met your expectations. If you ever need assistance again, our 24/7 live chat team is always here to help.
– The Viva.com team
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Customer service with courtesy and…
Customer service with courtesy and speed, Thank you
May 28, 2026
Unprompted review
Reply from viva.com
Hello Yiannis,
We truly appreciate your feedback! We’re delighted to hear that you found our customer service both courteous and responsive.
Providing fast and helpful support is a priority for us, and your feedback means a lot to our team. If you ever need assistance, our 24/7 live chat team is always here to help.
– The Viva.com team
Great services for a photographer
I am a freelance photographer. I use Viva POS on my phone and it works great, also to my e-shop. Friends of mine to whom I have suggested to use Viva for their business are more that happy with the services provided. User interface in the portal is as easy as it gets and has all the information needed.
June 1, 2025
Unprompted review
Reply from viva.com
Hello Athanasios,
Thank you so much for your wonderful feedback! We’re delighted to hear that Viva.com is supporting your photography business smoothly, both through Viva POS on your phone and your e-shop.
It’s especially rewarding to know that your recommendations to fellow professionals have also led to positive experiences. We’re committed to keeping payments simple, flexible, and easy to manage for businesses like yours.
– The Viva.com team
Terrible Experience with VIVA Shit
I had an extremely disappointing experience with Viva Wallet. When I opened my business account, I was clearly told that the account maintenance would be completely free. About a year later, without any clear explanation or proper transparency, I discovered that money was being taken from my business account through various administration fees.
My account balance slowly started decreasing even though the service had originally been presented as “free.” I consider this misleading and highly unprofessional. Customer support provided vague answers, and communication was very poor.
Unfortunately, I am not the only customer reporting unexpected charges, blocked funds, and support issues with this company.
I do not recommend this company for business accounts. If you decide to open an account with Viva Wallet, make sure you carefully review all fees and any changes to their terms and conditions, because what is “free” at the beginning may become very expensive later.
May 18, 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for sharing your feedback. We’re sorry to hear that your experience did not meet your expectations.
We have reviewed the information provided and attempted to locate an account associated with your details, but unfortunately, we were unable to find any matching account in our systems.
Please note that all pricing plans, fees, and any applicable changes are communicated through our official channels and are also available within the Viva.com Business Portal and on our website.
If you would like us to investigate this matter further, we kindly invite you to contact us via our Live chat service or via email at support@viva.com and provide additional details associated with your account so our team can assist you further.
Kind regards,
The Viva.com team
extreammly bad customer service and technical support
I'm a current customer of viva wallet.
i havent been able to download sales reports for my bookkeeping since september 2025. its a simple excel sheet or pdf.
ive had so many back and forth conversations with customer service reps trying to fix what shouldnt even be an issue. all i need is a simple excel sheet or pdf.
every time the customer service agents tell me the issue is escalated they tell me they will be in touch once they get a answer from the team. This is after ive sent multiple screenshots of my problem and explained in detail what my issue is.
they never follow up and when i follow up i new rep takes over the chat and proceeds to repeat the same script and i have to repeat my self over and over. im stuck in this cycle. completly useless. 9 months later still no fix. completely ridiculous. such a bad experience. ill be leaving this company asap
May 13, 2026
Unprompted review
Reply from viva.com
Dear Alan,
Thank you for sharing your feedback. We’re sorry to hear that your onboarding experience did not meet your expectations.
Following a review of your case, we can confirm that the matter has been actively investigated by the relevant teams and that actions have been taken to address the issue, which has now been resolved. We sincerely regret any inconvenience caused during the process.
Kind regards,
The Viva.com team
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This bank is terrible
This bank is terrible; they freeze your account without any reason. It's unfriendly to small businesses and freelancers.
May 12, 2026
Unprompted review
Reply from viva.com
Dear customer,
We requested your contact information so that we can get in touch with you, but we did not receive a reply.
We apologize if you experienced any inconvenience while using our services. We are afraid we can’t give any more information about why your account was frozen here on Trustpilot. Viva.com operates in compliance with the provisions of the applicable laws and other law enforcement authorities & in accordance with the instructions imposed by International Card Schemes.
Kind Regards,
The Viva.com team
They promote in Greece that you ll have…
They promote in Greece that you ll have pos service in 4 days ... 18 days now still waiting and they cant find the problem on documents. Dont allow you to talk on phone only chat (sometimes bots) to give you the same answer everyday.
April 13, 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for sharing your feedback. We’re sorry to hear about the delay and understand how frustrating this experience must be.
As we have not received any identifying information, we’re unable to locate your application and review the status of your onboarding process. Please note that account activation timelines may vary depending on the verification requirements and the information provided during the application process.
If you would like us to investigate this further, we kindly invite you to contact us via support@viva.com or through our live chat service.
Kind regards,
The Viva.com team
Scam
User interface is stuck in another century. Pricing is completely based on a scam scheme.
April 7, 2026
Unprompted review
Reply from viva.com
Dear customer,
Thank you for sharing your feedback. We’re sorry to hear that your experience did not meet your expectations.
As no identifying information was provided, we’re unfortunately unable to locate your account or better understand the concerns you mentioned regarding pricing and the platform experience. Please note that all pricing information is made available transparently during onboarding and within the Viva.com Business Portal.
If you would like us to look into your case further, we kindly invite you to contact us via support@viva.com or through our live chat service.
Kind regards,
The Viva.com team
Scam Alert ❌ Very bad experience with viva I’m doing…
Very bad experience with viva I’m doing business in Uk. I’ve received payments from my customers, and after a week they put me on hold that we are investigating. After taking a lot of time they told me they closed my account and I can’t take any payments anymore and at the same time they have holded my money and told me specialist team is investigating the case. It has been over four months now they holded my money and never give me back. Everytime they told me please have patience specialist team is working on that. I’ve very bad experience with them gonna take legal action against them now. I can’t wait anymore. First they told me it is there policy to wait for three months after closure of account and now fours months are gone still no funds have been released. Scammer
April 23, 2026
Unprompted review
Reply from viva.com
Hello Usama,
Thank you for your feedback. We’re sorry to hear that this situation has caused frustration.
While we’re unable to share specific details regarding account closures on Trustpilot, please rest assured that you have been informed directly by the relevant team with all the necessary information.
At Viva.com, we always act in accordance with applicable laws and regulatory requirements, and decisions such as account closures are made carefully and based on these obligations.
We appreciate your understanding.
The Viva.com team
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Beware of using them !!!
Hello , I have very poor encounter with this company so far , I have set up account with them for my business have been verified and went through the whole process in order to block my account from the risk team because I had 17 invoices which had to be paid in one day for the total amount of 1600€ on the first day I started using their services the put hold of my money , two days later they’ve asked for Invoices which I have send it with proof of the service they still keep my money and I have to pay my drivers, This company is a Business destroyer I am so dumb to use them for my services, just go with high street where I can rely on them for my, Beware if you go with them you might bankrupt in a day !!!
April 14, 2026
Unprompted review
Reply from viva.com
Hello Dimitar,
We're afraid that we can't give any more information about why your account is closed, here on Trustpilot.
viva.com operates in compliance with the provisions of the applicable laws and other law enforcement authorities & in accordance with the instructions imposed by International Card Schemes.
But we don't close accounts without a good reason, and we do everything we can to make sure that people aren't left in an unpleasant situation.
Regards,
The viva.com team
Free Account Turned Into €99.80 Debt Without My Consent
In my experience, this feels like a scam.
I opened a Viva professional account and virtual POS when it was advertised as free, with charges only per transaction. I never even used it for transactions. Then, after more than two years, I logged in and found my balance at -€99.80 because Viva had apparently changed its pricing policy and started charging a subscription fee.
Customer support told me they had informed users by email, but changing the pricing structure like this and then suddenly showing a negative balance on an inactive account is completely unacceptable. A company should not be able to turn a free service into a paid subscription and then claim money from users who never actively agreed to the new charges.
This is misleading, unfair, and deeply unprofessional. I strongly advise others to read the terms very carefully and monitor their accounts, because what happened here feels deceptive and abusive.
April 7, 2026
Unprompted review
Reply from viva.com
Dear Mr. Vartzikos,
Thank you for your feedback.
We understand your concerns, particularly in cases where an account has not been actively used. Please note that updates to pricing and service terms are communicated through official channels, and accounts remain subject to the applicable terms and conditions over time.
We appreciate that this situation may not have aligned with your expectations. If you would like further clarification regarding your account, our team is available 24/7 through our official support channels to assist you.
Kind regards,
The Viva.com team
Registration stuck for 3 weeks – Need support for Case CAS-04473897
I’m writing this in hopes of getting some clarity on our registration process, which has been stalled for three weeks now (Case CAS-04473897).
We were excited to begin this collaboration, but it has been a frustrating start. We’ve followed every email instruction, called for updates, and provided all requested documentation—even sending it from our official company domain to ensure it was received. Despite our efforts, we’ve stopped receiving replies to our emails entirely.
We feel completely stuck and would appreciate it if someone from the team could look into this case and help us finalize the setup. We’d love to get past this hurdle and finally start working together.
UPDATE
We received a third case number which is CAS-04473897
Still nothing happened.
March 1, 2026
Unprompted review
Reply from viva.com
Dear Customer,
Thank you for your feedback and for your interest in working with Viva.com.
We understand how frustrating delays during the registration process can be, especially when you have already provided the required documentation. Following a review of your case, we can confirm that the necessary actions have now been completed and our team has reached out to you via email and phone with further guidance to proceed.
We kindly invite you to continue the process using the details already shared with you. Should you encounter any issues, our team remains available to assist you.
We appreciate your patience and look forward to welcoming you onboard.
Kind regards,
The Viva.com team
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