Terminals, transactions, cards and features that support Surcharge

#➥ Transaction Types that support Surcharge:

Supported transaction types

• Card Present transactions (CP)

• Card Not Present transactions (CnP) via Viva SmartCheckout, as of 22/01/2026

• DCC transactions

Refunds

• Refund: Includes the total transaction amount together with the surcharge.

• Partial Refund: Includes the refunded amount and the corresponding surcharge amount.

#➥ Which Merchant Currencies are Supported

• All Merchant Currencies are supported.

#➥ Surcharge support by payment channel

• Card Present transactions (POS)
  Surcharge is supported on all terminals that use the Viva.com Terminal App.

• Card Not Present transactions (SmartCheckout)
  Surcharge is supported via Viva SmartCheckout, in accordance with the applicable eligibility rules.

#➥ Country and Card eligibility

• Currently, the service is available to the following countries with the following criteria:

Note: Limited Network Cards are cards that are restricted in their usage to specific types of transactions such as gift cards, loyalty program cards, or specific store credit cards.

#Italy, Spain, Bulgaria:

• All non-EU cards allowed to surcharge - Business & Consumer's cards / Debit & Credit cards

• Limited Network Cards - Business & Consumer's cards

#Denmark, Netherlands, Czechia, Finland, Poland, Ireland, Norway, Germany:

• All business cards, are allowed to surcharge - Domestic, EU & non-EU / Debit & Credit Cards

• All non-EU cards allowed to surcharge - Business & Consumer's cards / Debit & Credit cards

• All three party card scheme is allowed to surcharge (AMEX & Diners)

• Limited Network Cards - Business & Consumer's cards

#Greece:

• All non-EU cards allowed to surcharge - Business & Consumer's cards / Debit & Credit cards

• For Consumer cards surcharge is allowed only for non-EU residents

• Limited Network Cards - Business cards only

#UK:

• All business cards, are allowed to surcharge - Domestic, EU & non-EU / Debit & Credit Cards

• All non-UK cards allowed to surcharge - Business & Consumer's cards / Debit & Credit cards

• Three party schemes business cards (ΑΜ.ΕΧ. & Diners)

• Limited Network Cards - Business cards only

#➥ Pricing fee for the cardholder

When the cardholders accept the transaction with Surcharge, based on their card type and country, they will be charged with:

• min amount (as per table below)

• % Fee on the amount of sale

#➥ Eligible features with Surcharge

• ISV fees are excluded from Surcharge

• Surcharge transactions are excluded from 0% merchant commission

• Pushing of the parameters to the terminals is done once per day automatically, only for PAX devices.

  For the rest of the devices, or for faster update of the PAX ones, the merchant can update manually the parameters in every device or close the app and re-launch it.

#➥ Important note

For card present transactions, merchants shall notify the Cardholder with the amount of the surcharge before the transaction is executed. If a Cardholder complains over a surcharge, the Merchant shall try to handle the complaint itself.

Additionally, to assist in resolving potential disputes regarding the surcharge, an option has been added to skip the surcharge. Specifically, when the surcharge appears in the application, tapping the three dots in the upper-right corner of the screen reveals the option to skip the surcharge for the customer. In this case, the transaction amount is displayed to the customer without the surcharge. Terms and Conditions - Viva.com.

Check here to see what Surcharge is and how to enable it