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Viva Wallet

Viva Wallet

European SMEs

VS

Clover

Retail & restaurants

Clover
Fees from
From 1.20% + €0.05 vs 2.3-2.6% + $0.10
Features

1 shared

1 unique to Viva Wallet
Regions

1 shared

1 unique to Clover
Pay methods

5 shared

4 unique to Viva Wallet · 2 unique to Clover
On settlement

Viva Wallet settles in 1–2 business days; Clover settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
2 features · 11 payment methods · 2 regions. We don't rank these — they're here for reference.
Viva Wallet Viva Wallet
Clover Clover
Quick Facts
Fees
Standard transaction rate
From 1.20% + €0.05
2.3-2.6% + $0.10
Settlement
Time to receive funds
1–2 business days
1–2 business days
Founded
2010
2012
Headquarters
Athens, Greece
Sunnyvale, California, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Viva Wallet leads (2 vs 1)
Low Fees Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Viva Wallet leads (9 vs 7)
Amex
✓
✓
Apple Pay
✓
✓
Diners Unique
✓
—
Discover Unique
—
✓
Gift Card Unique
—
✓
Google Pay
✓
✓
Jcb Unique
✓
—
Maestro Unique
✓
—
Mastercard
✓
✓
Unionpay Unique
✓
—
Visa
✓
✓
Regions
Clover leads (2 vs 1)
Europe
✓
✓
North America Unique
—
✓

Viva Wallet is best when you...

European SMEs
Need Low Fees
Not available with Clover
View Viva Wallet

Clover is best when you...

Retail & restaurants
Want coverage in North America
Viva Wallet doesn't cover this region
View Clover

Frequently Asked Questions

What is the difference between Viva Wallet and Clover?
They share 5 payment methods and 1 region. Viva Wallet adds Diners Club, JCB, Maestro and 1 more that Clover does not list; Clover adds Discover, Gift Card that Viva Wallet does not list; Clover also covers North America; only Viva Wallet offers Low Fees.
Which is cheaper, Viva Wallet or Clover?
Viva Wallet has published rates from From 1.20% + €0.05; Clover has published rates from 2.3-2.6% + $0.10. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Viva Wallet and Clover?
Viva Wallet lists 1 region and 9 payment methods; Clover lists 2 and 7. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Viva Wallet and Clover compare on integration and settlement?
both offer a sandbox; both support webhooks; Viva Wallet settles in 1–2 business days, Clover in 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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