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Vivid

Vivid

Small businesses, freelancers, and retail or hospitality merchants in Germany that want a business account bundled with payment links and a free card terminal.

VS

pay.cetera

Businesses in complex environments that need regulated clearing and payment services, especially those working with the REWE Group retail ecosystem.

pay.cetera
Fees from
Fee for receiving card payments from clients (EEA cards), from 0,79% (+0,25 €); POS terminal: Free; Flat transaction fee (all cards): Up to 1.49%. Terminal: "a transaction fee of just 1.49% for EEA consumer cards". vs —
Features

0 shared

Regions

0 shared

Pay methods

1 shared

13 unique to Vivid · 3 unique to pay.cetera
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
0 features · 17 payment methods · 0 regions. We don't rank these — they're here for reference.
Vivid Vivid
pay.cetera pay.cetera
Quick Facts
Fees
Standard transaction rate
Fee for receiving card payments from clients (EEA cards), from 0,79% (+0,25 €); POS terminal: Free; Flat transaction fee (all cards): Up to 1.49%. Terminal: "a transaction fee of just 1.49% for EEA consumer cards".
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Settlement
Time to receive funds
Sales made via the card payment terminal are usually available in your Merchant account the next business day. Alternatively, you can activate instant payouts in the settings.
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Founded
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Headquarters
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Sandbox / Test Mode
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Webhook Support
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Features
Payment Methods
Vivid leads (14 vs 4)
Amex Unique
✓
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Apple Pay Unique
✓
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Debit Card Unique
—
✓
Diners Unique
✓
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Discover Unique
✓
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Girocard
✓
✓
Google Pay Unique
✓
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Invoice Unique
✓
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Jcb Unique
✓
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Mastercard Unique
✓
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Payment Link Unique
✓
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Pos Unique
✓
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Qr Code Unique
✓
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Samsung Pay Unique
✓
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Sepa Unique
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✓
Sepa Direct Debit Unique
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✓
Visa Unique
✓
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Regions

Vivid is best when you...

Small businesses, freelancers, and retail or hospitality merchants in Germany that want a business account bundled with payment links and a free card terminal.
View Vivid

pay.cetera is best when you...

Businesses in complex environments that need regulated clearing and payment services, especially those working with the REWE Group retail ecosystem.
View pay.cetera

Frequently Asked Questions

What is the difference between Vivid and pay.cetera?
They share 1 payment method and 0 regions. Vivid adds Amex, Apple Pay, Diners Club and 10 more that pay.cetera does not list; pay.cetera adds Debit Card, SEPA, SEPA Direct Debit that Vivid does not list.
Which is cheaper, Vivid or pay.cetera?
Vivid has published rates from Fee for receiving card payments from clients (EEA cards), from 0,79% (+0,25 €); POS terminal: Free; Flat transaction fee (all cards): Up to 1.49%. Terminal: "a transaction fee of just 1.49% for EEA consumer cards".; pay.cetera has no published rate. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Vivid and pay.cetera?
Vivid lists 0 regions and 14 payment methods; pay.cetera lists 0 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Vivid and pay.cetera compare on integration and settlement?
Vivid publishes a settlement time of Sales made via the card payment terminal are usually available in your Merchant account the next business day. Alternatively, you can activate instant payouts in the settings..

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