Viva.com Smart Checkout v2 Payment Gateway
Viva.com (formerly Viva Wallet) is Europe's premier cloud-native payment neobank operating across 24 EEA countries including Cyprus, Greece, France, Germany, and the UK. With Webito's direct Smart Checkout v2 integration, merchants deliver frictionless, dynamic payment journeys supporting Apple Pay, Google Pay, and over 30 regional European payment rails.
1. Commercial Advantages for European Merchants
- Dynamic Smart Checkout: Automatically renders local payment preferences based on the shopper's location and device type.
- Native Digital Wallets: One-click biometric checkout with Apple Pay and Google Pay, drastically reducing cart abandonment.
- Next-Day or Instant Payouts: Funds settle directly into your dedicated European business IBAN.
- 0% Acquiring Fee Potential: By paying daily operational expenses with the Viva Business Debit Mastercard, merchants earn transaction fee cashback effectively dropping processing fees to 0%.
2. Integration Credentials Required
Obtain your API credentials from your Viva.com Banking Portal under Settings > API Access:
| Parameter | Purpose | Example |
|---|---|---|
| Client ID | OAuth2 Client identifier | viva_live_cl_894102... |
| Client Secret | Confidential API signing key | sec_984f1a209b... |
| Source Code | 4-digit website identifier created in Viva | 1234 |
| Webhook Secret | Verification key for inbound payment events | whsec_a87f4... |
3. Step-by-Step Configuration in Webito
- From the Webito admin sidebar, go to Plugins & Integrations > Payment Gateways.
- Select Viva.com / Viva Wallet and click Configure.
- Paste your Client ID, Client Secret, and Source Code.
- Set Environment to Sandbox / Demo for staging tests, or Production for live trading.
- Save settings and toggle the plugin to Enabled.