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Head-to-head · Mobile Credit Card Processing Software

Viva.com vs Moneris PAYD

  • Updated Oct 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score Viva.com #5 in Mobile Credit Card Processing Software 8.7/10 Paid ✓ 0 of 3 features Visit Viva.com
Moneris PAYD #7 in Mobile Credit Card Processing Software 8.4/10 Paid ✓ 0 of 3 features Visit Moneris

Viva.com leads on 0 checks, Moneris PAYD on 0, and 2 are even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreViva.com · 8.7/10

Viva.com scores higher on our rubric for mobile credit card processing software: 8.7 against 8.4 out of 10; our editors rank them #5 and #7.

Viva.com is the better fit for merchants selling in person, online and via marketplaces. Moneris PAYD is the better fit for canadian merchants needing mobile inventory and payments.

  • Viva.com fits best

    Merchants selling in person, online and via marketplaces

  • Moneris PAYD fits best

    Canadian merchants needing mobile inventory and payments

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Side by side

Feature Viva.com 8.7/10 Visit ↗ Moneris PAYD 8.4/10 Visit ↗
At a glance
Editor score 8.7 8.4
Ranking #5 in Mobile Credit Card Processing Software #7 in Mobile Credit Card Processing Software
Best for Merchants selling in person, online and via marketplaces Canadian merchants needing mobile inventory and payments
Pricing model Paid Paid
Starting price £3.99/mo —
Free plan — —
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS
Features Viva.com 0/3 · Moneris PAYD 0/3
Card reader available Not checked yet Not checked yet
Tap to Pay 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
  • 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
  • Handles inventory, product transfers, customer profiles, and sales reporting
  • Creates invoices for delivery by email or SMS
  • Accepts cards, Interac Debit, gift cards, and other listed tenders
Cons
  • 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
  • Requires a compatible card reader for payment acceptance
  • Does not support tap-to-pay
  • Paid plans cap users and products at different levels
Our verdict

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 →

Moneris PAYD, presented in current Moneris materials as PAYD Pro Plus, is a mobile point-of-sale solution for Canadian retail businesses using iPad. It brings product and customer profiles, transaction processing, inventory management,…

Read the review →
  1. Viva.comMobile Credit Card Processing Software 8.7Paid
  2. Moneris PAYDMobile Credit Card Processing Software 8.4Paid

Strengths and trade-offs

  • 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

  • Moneris PAYD — where it wins

    • Handles inventory, product transfers, customer profiles, and sales reporting
    • Creates invoices for delivery by email or SMS
    • Accepts cards, Interac Debit, gift cards, and other listed tenders

    Where it doesn't

    • Requires a compatible card reader for payment acceptance
    • Does not support tap-to-pay
    • Paid plans cap users and products at different levels
  • Viva.com8.7/10 · Paid

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

    Visit Viva.comFull verdict →
  • Moneris PAYD8.4/10 · Paid

    A mobile POS pairing inventory and invoicing with PIN-pad payments; a reader is required.

    Visit MonerisFull 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