Viva Payments,
Pan-European by Design
HDS Cloud Apps is an approved Viva partner. Accept card payments through Viva Wallet across 24+ European countries — smart terminals, Tap to Phone, instant settlement and native EPOS integration, all managed by a single supplier.
About Viva
Europe's Full-Stack Fintech
Viva (viva.com) is a pan-European licensed acquirer and fintech operating across 24+ countries. It combines smart card terminals, SoftPOS, online payments and a multi-currency business account into one platform — built to grow with businesses that operate beyond a single market.
Pan-European Coverage
One acquirer account, 24+ countries. Accept payments across your European estate without juggling separate local banking relationships or payment processors in each market.
SoftPOS — Tap to Phone
Turn any NFC-enabled Android device into a card terminal. No extra hardware to purchase, deploy or maintain. Customers tap their card or phone directly on the device to pay.
Instant or Next-Day Settlement
Viva settles funds faster than most traditional acquirers — with instant or next-business-day options available. Essential for hospitality businesses managing cash flow across multiple venues.
Multi-Currency Across the EU
Accept and settle in local EU currencies from a single account. No manual conversion, no cross-border surprises. Transparent pricing with no hidden fees regardless of card type or country.
Getting Started
Up and Running in Three Steps
Apply Through HDS
Tell us you want Viva payments when you enquire, or contact our team directly. We handle the Viva application on your behalf — including multi-country setup if you operate across several EU markets. No forms to navigate alone.
Hardware Arrives Pre-Configured (or Use SoftPOS)
Your Viva smart terminal ships already linked to your HDS Cloud Apps account. If you opt for SoftPOS, we configure the Android app and connect it to your EPOS — no additional hardware purchase required.
Take Payments & Track Everything
Every Viva transaction — across every venue and every country — appears in your HDS reporting dashboard. Reconcile all sites in one view at end of day, with settlement data flowing back automatically.
EPOS Integration
One EPOS,
All Your EU Venues
HDS Cloud Apps integrates Viva natively. When a customer pays, your EPOS sends the exact amount to the Viva terminal or SoftPOS device — no manual re-entry at any venue, in any country. The result comes back immediately, the ticket closes, and the data flows into unified reporting.
For groups operating across multiple EU countries, this is particularly powerful. A hotel in Spain, a restaurant in France, and a retail site in Germany all report through the same HDS dashboard — with Viva handling currency and settlement in each market.
- Cashier initiates payment from EPOS — no retyping amounts on the terminal
- Viva smart terminal or SoftPOS handles chip & PIN, contactless, Apple Pay and Google Pay
- Approved or declined status returned to EPOS in real time
- All transactions visible in HDS reporting alongside other tender types
- Multi-site, multi-currency reporting consolidated into a single view
- Refunds processed directly from the EPOS interface
Why Choose HDS as Your Viva Partner
More Than a Middleman —
A Single Point of Support
One call fixes everything
Whether the issue is with your EPOS, your terminal, the SoftPOS app, or the integration between them — call HDS. We coordinate with Viva on your behalf so you are never left navigating two support queues across different time zones.
Built for multi-country operations
HDS Cloud Apps was designed for hospitality and retail groups operating across borders. Viva's pan-European infrastructure pairs naturally with a single EPOS platform — no per-country integrations, no duplicated reporting.
Hardware and SoftPOS — your choice
Order Viva smart terminals through HDS and they arrive pre-configured. Or deploy SoftPOS on existing Android devices at no hardware cost. We set up both options and ensure they connect seamlessly to your EPOS.
Part of a broader platform
Viva sits alongside other payment providers inside HDS Cloud Apps. If your needs change — new region, new volume tier, new acquirer preference — the transition is handled at the software level without rebuilding your setup.
Frequently Asked Questions
Viva Payments Explained
Is HDS Cloud Apps an official Viva partner?
Yes. HDS Cloud Apps is an approved Viva partner. We offer Viva payment solutions as part of our EPOS platform, giving you a single supplier for your point-of-sale software and card payment hardware across the UK and Europe.
Which countries does Viva support?
Viva operates across 24+ European countries including the UK, Ireland, Spain, Portugal, France, Germany, Italy, the Netherlands, Belgium, Austria, Greece and Poland. This makes it especially well-suited for hospitality groups and retail businesses with venues in multiple EU markets.
What is Viva SoftPOS (Tap to Phone) and do I need extra hardware?
Viva SoftPOS turns any NFC-enabled Android device into a card terminal. No separate card machine is required — customers tap their card or mobile wallet directly on the Android phone or tablet. HDS configures the SoftPOS app and connects it to your EPOS, so the payment flow is identical to a traditional terminal from the cashier's perspective.
How does Viva integrate with HDS Cloud Apps?
Viva payments are natively integrated into HDS Cloud Apps. Transactions initiated at the EPOS are sent directly to the Viva terminal or SoftPOS device — no manual re-entry, no reconciliation headaches. Settlement data flows back into your reporting dashboard automatically. Multi-site businesses see all venues consolidated in one view regardless of which country the sale was made in.
How quickly does Viva settle funds?
Viva offers instant or next-business-day settlement depending on your account configuration. This is significantly faster than many traditional acquirers and is particularly valuable for hospitality businesses managing cash flow across multiple sites and currencies.
Can I use Viva if I operate venues in multiple EU countries?
Absolutely — this is one of Viva's key strengths. A single Viva account can process payments across your entire European estate, handling multi-currency settlement in each local market. HDS Cloud Apps consolidates all of that settlement data into a single reporting view, so you manage one platform regardless of how many countries you operate in.
Ready to Accept Payments Through Viva?
Speak to the HDS team today. We will walk you through pricing, hardware and SoftPOS options, and multi-country setup — no obligation.