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Head-to-head · Mobile Credit Card Processing Software

Adyen vs Viva.com

  • Updated Oct 2026
  • Both researched from official sources
  • 1 check side by side
Higher score Adyen #3 in Mobile Credit Card Processing Software 8.9/10 From $0.13 ✓ 0 of 3 features Visit Adyen
Viva.com #5 in Mobile Credit Card Processing Software 8.7/10 Paid ✓ 0 of 3 features Visit Viva.com

Adyen leads on 0 checks, Viva.com on 0, and 1 is even. Who comes out ahead on the 1 yes/no, price and count check where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreAdyen · 8.9/10

Adyen scores higher on our rubric for mobile credit card processing software: 8.9 against 8.7 out of 10; our editors rank them #3 and #5.

Adyen is the better fit for global businesses needing integrated mobile payments. Viva.com is the better fit for merchants selling in person, online and via marketplaces.

  • Adyen fits best

    Global businesses needing integrated mobile payments

  • Viva.com fits best

    Merchants selling in person, online and via marketplaces

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Side by side

Feature Adyen 8.9/10 Visit ↗ Viva.com 8.7/10 Visit ↗
At a glance
Editor score 8.9 8.7
Ranking #3 in Mobile Credit Card Processing Software #5 in Mobile Credit Card Processing Software
Best for Global businesses needing integrated mobile payments Merchants selling in person, online and via marketplaces
Pricing model Paid Paid
Starting price From $0.13 £3.99/mo
Free plan — —
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS, Android
Integrations 13 integrations 6 integrations
Features Adyen 0/3 · Viva.com 0/3
Card reader available Not checked yet Not checked yet
Tap to Pay Not checked yet Not checked yet
Offline payments Not checked yet Not checked yet
Specs
Mobile platforms Not checked yet Not checked yet
In-person fee Not checked yet Not checked yet
Payment methods Not checked yet Not checked yet
Our review
Pros
  • Supports cards, wallets, local methods, and 136 currencies
  • iOS, Android, web, API, SDK, webhook, and plugin integrations
  • Recurring payments, fraud controls, marketplaces, and payouts included
  • Accepts payments online and in person, with payment links and notifications
  • Supports recurring payments, marketplace payments and seller payouts
  • Connects to six ecommerce platforms and offers APIs and webhooks
Cons
  • No free plan is available
  • Payment-method fees vary by region, method, and transaction volume
  • Payout availability is listed for 36 countries
  • The Zero plan has a £3.99 minimum monthly charge
  • Terminal IDs and websites are charged per item on Zero
  • Processing rates are not included in the listed subscription prices
Our verdict

Adyen provides online and in-person payment infrastructure for businesses accepting payments through websites, mobile apps, and other channels. Its online payments product handles cards, wallets, and local payment methods, while mobile…

Read the review →

Viva.com brings online and in-person payment acceptance together with tools for merchants that sell across physical, ecommerce and marketplace channels. Smart Checkout provides a hosted payment page, while payment links and notifications…

Read the review →
  1. AdyenMobile Credit Card Processing Software 8.9From $0.13
  2. Viva.comMobile Credit Card Processing Software 8.7Paid

Strengths and trade-offs

  • Adyen — where it wins

    • Supports cards, wallets, local methods, and 136 currencies
    • iOS, Android, web, API, SDK, webhook, and plugin integrations
    • Recurring payments, fraud controls, marketplaces, and payouts included

    Where it doesn't

    • No free plan is available
    • Payment-method fees vary by region, method, and transaction volume
    • Payout availability is listed for 36 countries

  • Viva.com — where it wins

    • Accepts payments online and in person, with payment links and notifications
    • Supports recurring payments, marketplace payments and seller payouts
    • Connects to six ecommerce platforms and offers APIs and webhooks

    Where it doesn't

    • The Zero plan has a £3.99 minimum monthly charge
    • Terminal IDs and websites are charged per item on Zero
    • Processing rates are not included in the listed subscription prices
  • Adyen8.9/10 · From $0.13

    A broad mobile and online payments platform priced per transaction, without a free plan.

    Visit AdyenFull verdict →
  • Viva.com8.7/10 · Paid

    Viva.com combines mobile and in-person acceptance with online, recurring and marketplace payments.

    Visit Viva.comFull verdict →

More comparisons

All mobile credit card processing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update