Viva Wallet is the first Pan-European entirely cloud-based Neobank providing localised payment and credit services to businesses across 23 European countries. Created to change the way businesses pay and get paid, Viva Wallet offers businesses of all sizes card payment acceptance 24 payment methods using Card-Present or Card-not-Present technology, along with business accounts with local IBAN and debit card issuing. Viva Wallet is the only payment provider that grants merchants the ability to earn back their acceptance fees to 0% on card transactions. In addition to the range of Viva Wallet Android Card Terminals, Viva Wallet has launched the Tap On Phone solution, its newest technological deployment for in-store payments. Through downloading the Viva Wallet POS app, Tap On Phone turns any Android device into a card terminal, allowing businesses to accept both contactless and PIN payments without the need for separate hardware. Viva Wallet is the first company to push this innovation across Europe to help merchants at scale do more and better business.