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Head-to-head · Mobile Credit Card Processing Software

Stripe Terminal vs Viva.com

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Stripe Terminal #1 in Mobile Credit Card Processing Software 9.3/10 Paid ✓ 2 of 3 features Visit Stripe
Viva.com #5 in Mobile Credit Card Processing Software 8.7/10 Paid ✓ 0 of 3 features Visit Viva.com

Stripe Terminal leads on 0 checks, Viva.com on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreStripe Terminal · 9.3/10
  • Most featuresStripe Terminal · 2 of 3

Stripe Terminal scores higher on our rubric for mobile credit card processing software: 9.3 against 8.7 out of 10; our editors rank them #1 and #5.

Stripe Terminal is the better fit for businesses building custom mobile payment flows. Viva.com is the better fit for merchants selling in person, online and via marketplaces.

  • Stripe Terminal fits best

    Businesses building custom mobile payment flows

  • Viva.com fits best

    Merchants selling in person, online and via marketplaces

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Side by side

Feature Stripe Terminal 9.3/10 Visit ↗ Viva.com 8.7/10 Visit ↗
At a glance
Editor score 9.3 8.7
Ranking #1 in Mobile Credit Card Processing Software #5 in Mobile Credit Card Processing Software
Best for Businesses building custom mobile payment flows Merchants selling in person, online and via marketplaces
Pricing model Paid Paid
Starting price — £3.99/mo
Free plan — —
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS, Android
Integrations 6 integrations 6 integrations
Features Stripe Terminal 2/3 · Viva.com 0/3
Card reader available Not checked yet Not checked yet
Tap to Pay ✓ (best) Not checked yet
Offline payments ✓ (best) 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
  • Accepts Tap to Pay on compatible iPhone and Android devices
  • APIs and SDKs support custom point-of-sale integrations
  • Offers offline collection with supported readers and SDK configurations
  • 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
  • Transaction fees include an added charge for international cards
  • Readers and optional cellular service add hardware or monthly costs
  • Tap to Pay and offline features have market, device, and eligibility limits
  • 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

Stripe Terminal gives businesses and platforms infrastructure for accepting in-person payments through certified card readers or Tap to Pay on compatible iPhone and Android devices. Its APIs and SDKs suit internet businesses, SaaS…

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. Stripe TerminalMobile Credit Card Processing Software 9.3Paid
  2. Viva.comMobile Credit Card Processing Software 8.7Paid

Strengths and trade-offs

  • Stripe Terminal — where it wins

    • Accepts Tap to Pay on compatible iPhone and Android devices
    • APIs and SDKs support custom point-of-sale integrations
    • Offers offline collection with supported readers and SDK configurations

    Where it doesn't

    • Transaction fees include an added charge for international cards
    • Readers and optional cellular service add hardware or monthly costs
    • Tap to Pay and offline features have market, device, and eligibility limits

  • 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
  • Stripe Terminal9.3/10 · Paid

    A flexible mobile payment stack for businesses building custom in-person checkout.

    Visit StripeFull 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