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.
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
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.
One Cost+ IC++ formula
Cost+ charges interchange + card scheme fee + a 0.50% margin + EUR 0.15 per authorization. The formula covers gateway, acquiring and 3DS, with no monthly fee.
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.
Feature
Viva.com, Danish price list
Online domestic consumer cards
Interchange + card scheme fee + 0.50% + EUR 0.15 per authorization
2.19% + 0.50 DKK
Other online cards
Interchange + card scheme fee + 0.50% + EUR 0.15 per authorization
Interchange + card scheme fee + 1.90% Viva acquiring fee + 0.50 DKK for domestic commercial, European, UK and international cards
American Express
Quoted according to the merchant's Cost+ agreement
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
Zero monthly subscription with IC++ pricing; optional flat-fee agreement for eligible low-risk merchants
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
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
None
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.
KushKiez
Aug 13, 2025
“We are so happy with NoPayn. Payments processed perfectly. They handled the entire integration to Wix. The team have been fast.”
IC++ BREAKDOWN
How Our Pricing Works
Every Cost+ transaction is broken down into four transparent components:
Interchange
Set by Visa/Mastercard
Card Scheme Fee
Network Cost
Your Total Cost
Nothing else
0.50% Margin
Our Markup
€0.15 Auth Fee
Authorization Cost
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. Under the same card-cost assumptions, Cost+'s variable component is 0.20% interchange + 0.10% card scheme fee + 0.50% margin, which equals 1,600 DKK per month and 19,200 DKK per year. Its EUR 0.15 authorization component is EUR 75 per month and EUR 900 per year. The DKK and EUR components are intentionally kept separate and are not converted or added together. Actual IC++ costs vary.
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. Cost+ offers MobilePay with zero monthly subscription under IC++ pricing, with an optional flat-fee agreement for eligible low-risk merchants.
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. Its published conditions include consumer or personal Visa, Mastercard or Maestro sales, and online cards 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.
