Viva.com alternative
2.19% for domestic consumer cards, IC++ plus 1.90% for other cards
Viva.com (formerly Viva Wallet) lists online domestic consumer cards at 2.19% + 0.50 DKK on its Danish price page. Other online cards cost interchange + card scheme fee + a 1.90% Viva acquiring fee + 0.50 DKK. Viva.com also lists 3DS at 0.25 DKK per attempt and a Zero plan at 0 DKK subject to a 37 DKK minimum monthly charge. Cost+ has no monthly fee and uses one IC++ formula with 3DS included.
Viva.com
Merchant eligibility
Confirm eligibility for your business model
Viva.com's public Danish pricing and cashback pages do not establish eligibility for specialist industries. Merchants in regulated or specialist verticals should confirm current eligibility directly with Viva.com rather than infer it from a price list. Cost+ eligibility is also subject to underwriting and risk review.
Viva.comWhy Cost+
Compare the published pricing structures
Why Cost+
One Cost+ IC++ formula
Viva.com
Different rates by card category
Viva.com's Danish list uses a blended rate of 2.19% + 0.50 DKK for online domestic consumer cards. Domestic commercial, European, UK and international cards use interchange + card scheme fee + 1.90% + 0.50 DKK.
Cost+
One Cost+ IC++ formula
Cost+ charges interchange + card scheme fee + a 0.40% margin + EUR 0.09 per authorization attempt. The formula covers gateway, acquiring and 3DS, with no monthly fee.
Viva.com
Online domestic consumer cards
2.19% + 0.50 DKK
Cost+
Other online cards
Interchange + card scheme fee + 0.40% + EUR 0.09 per authorization attempt
Viva.com
Plans and additional charges
Viva.com lists a Zero plan at 0 DKK subject to a 37 DKK minimum monthly charge, plus Default, Standard and Premium plans at 37, 97 and 148 DKK per month. It also lists 3DS at 0.25 DKK per attempt and says a 0.35% surcharge may apply when certain official ecommerce plugins are used.
Cost+
American Express
These comparisons illustrate low-risk IC++ for non-Amex cards: the 0.40% Cost+ margin plus actual interchange, scheme and fixed processing fees. Amex uses a flat 3.40% at low risk or 4.49% at high risk, plus fixed processing fees; the normal IC++ margin is not added.
Cost+
JCB
Quoted according to the merchant's Cost+ agreement
Fee comparison
Cost+ and Viva.com's Danish pricing side by side
Viva.com also promotes cashback toward acceptance fees when eligible business expenses are paid with its business debit card. That conditional cashback mechanism is not the ordinary card acceptance price shown below. These comparisons illustrate low-risk IC++ for non-Amex cards: the 0.40% Cost+ margin plus actual interchange, scheme and fixed processing fees. Amex uses a flat 3.40% at low risk or 4.49% at high risk, plus fixed processing fees; the normal IC++ margin is not added. Authorization: Per authorization attempt, for IC++ and blended. Processing gateway: Per successful transaction, for IC++ and blended. Using a Cost+ Shopify app adds 0.35% of transaction value on every plan, billed separately from processing fees. This is the Cost+ app charge; your Shopify plan may impose other charges.
Feature
Viva.com, Danish price list
Online domestic consumer cards
Interchange + card scheme fee + 0.40% + EUR 0.09 per authorization attempt
2.19% + 0.50 DKK
Other online cards
Interchange + card scheme fee + 0.40% + EUR 0.09 per authorization attempt
Interchange + card scheme fee + 1.90% Viva acquiring fee + 0.50 DKK for domestic commercial, European, UK and international cards
American Express
These comparisons illustrate low-risk IC++ for non-Amex cards: the 0.40% Cost+ margin plus actual interchange, scheme and fixed processing fees. Amex uses a flat 3.40% at low risk or 4.49% at high risk, plus fixed processing fees; the normal IC++ margin is not added.
2.95% + 0.50 DKK; an additional 0.40% applies when issued outside the EEA
JCB
Quoted according to the merchant's Cost+ agreement
Interchange + card scheme fee + 1.10% + 0.50 DKK
MobilePay Online
Vipps and MobilePay have applicable method fees. Confirm availability and the applicable quote with sales.
1.00 DKK per transaction on top of card fees, plus a MobilePay licensing fee for active days capped at 35 DKK per month
3D Secure
Included
0.25 DKK per attempt
Refunds
EUR 0.25. On IC++ and blended, each successful refund, whether full or partial, incurs the fixed refund fee shown in your currency’s fee schedule. No percentage processing fee is charged again for the refund. Original sale fees remain charged to the original payment.
Payment acceptance fees + 2.50 DKK
Disputes
EUR 30
20 DKK per lost transaction
Monthly account plan
EUR 0
Zero: 0 DKK subject to a 37 DKK minimum monthly charge; Default: 37 DKK; Standard: 97 DKK; Premium: 148 DKK; extra website or terminal ID: 15 DKK per month; extra user: 7.50 DKK per month
Official ecommerce plugin surcharge
Using a Cost+ Shopify app adds 0.35% of transaction value on every plan, billed separately from processing fees. This is the Cost+ app charge; your Shopify plan may impose other charges.
A 0.35% surcharge may apply with certain official plugins
Your own card mix
See your exact rate
Use the fee calculator with your own transaction volume, average basket and card mix. Viva.com's example is kept in DKK, while Cost+'s EUR authorization fee is shown separately without an assumed currency conversion.
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Aug 13, 2025
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IC++ BREAKDOWN
How Our Pricing Works
These comparisons illustrate low-risk IC++ for non-Amex cards: the 0.40% Cost+ margin plus actual interchange, scheme and fixed processing fees. Amex uses a flat 3.40% at low risk or 4.49% at high risk, plus fixed processing fees; the normal IC++ margin is not added. Event fees apply only when the corresponding event occurs.
Interchange
Set by card networks
Card scheme fees
Network costs
IC++
Low risk
0.40%
Cost+ margin
€0.09
AuthorizationPer attempt
Authorization: Per authorization attempt, for IC++ and blended.
Cost+ vs. Viva.com
Frequently asked questions
Answers based on Viva.com's published Danish pricing and cashback terms.
Viva.com's Danish price list charges 2.19% + 0.50 DKK for online domestic consumer Visa, Mastercard, Maestro, Diners and Discover payments. Domestic commercial, European, UK and international cards use interchange + card scheme fee + a 1.90% Viva acquiring fee + 0.50 DKK. American Express is 2.95% + 0.50 DKK, with an additional 0.40% only when the Amex card is issued outside the EEA.
Assumptions: 500 transactions per month at an average basket of 400 DKK, all paid online with domestic consumer Visa through Smart Checkout, with no plugin surcharge, charged 3DS attempts, refunds or disputes. Monthly volume is 200,000 DKK; annual volume is 2,400,000 DKK across 6,000 transactions. Viva.com costs 4,380 DKK in percentage fees + 250 DKK in fixed fees = 4,630 DKK per month, and 52,560 DKK + 3,000 DKK = 55,560 DKK per year. Viva.com separately lists the Zero plan as subject to a 37 DKK minimum monthly charge. Illustrative Cost+ example: 100% EU consumer debit cards; one authorization attempt per successful transaction. Interchange and scheme figures are assumptions. Excludes Shopify, conversion, settlement, refunds, disputes and other applicable charges. 0.20% illustrative interchange + 0.10% assumed scheme fee + 0.40% Cost+ margin + DKK 0.70 per authorization attempt; no low-risk processing gateway fee. DKK 1400.00 + DKK 350.00 = DKK 1750.00 / month; DKK 21000.00 / year.
Viva.com's Danish list adds 1.00 DKK per MobilePay Online transaction on top of the applicable card fees. It also lists a MobilePay licensing fee based on active days and capped at 35 DKK per month.
No. The cited Danish pricing and cashback pages do not establish eligibility for specialist industries. Current eligibility should be confirmed directly with Viva.com and remains subject to its review. Cost+ eligibility is also subject to underwriting and risk review.
Viva.com says eligible business spending with its business debit card can generate cashback toward acceptance fees. Under its published conditions, incoming payments must use personal Visa, Mastercard or Maestro cards. For online payments, those cards must be issued in the EEA. Cash withdrawals and bank transfers are excluded. This is a conditional cashback mechanism, not the ordinary card acceptance rate.
Viva.com prices last verified on . against Viva.com's Danish pricing page, Viva.com's cashback terms. The Danish pricing page displayed prices effective 21 May 2026 at verification and states that pricing updates monthly. Prices may be stated exclusive of VAT and may change after the verification date. Cashback is conditional on eligible business debit card spending and qualifying accepted sales. Viva.com is a trademark of its respective owner. Cost+ (Costplus OÜ) is not affiliated with, endorsed by or sponsored by Viva.com.