Vivid and Adyen Launch Card Payments with Instant Payout for Europe’s SMEs

Small businesses across Europe still struggle to get paid—often waiting days to access their own revenues from card payments. Vivid, one of Europe’s leading financial platforms for entrepreneurs and SMEs, is changing that. Together with Adyen, the global financial technology platform of choice for leading businesses, Vivid is launching a full-scale card acquiring solution that lets SMEs accept card payments effortlessly with one single integration for online and POS—and access their earnings instantly.

Small Businesses Want to Go Digital, But Payments Hold Them Back

Despite the growth of digital commerce, many small businesses remain offline when it comes to accepting payments. According to Visa, 34% of European micro and small merchants still do not accept card payments, mostly because of high costs and complicated onboarding processes. And even for those who do accept cards, the waiting isn’t over—35% of SMEs wait hours or even days to receive their revenues, creating cash flow gaps that prevent them from reinvesting in their business.

Yet the benefits of accepting digital payments are clear:

• 55% of small businesses in Europe accepting debit or credit card payments
  report that customers spend more when using cards
  
• 41% have seen their turnover increase by 6% to 15% after adopting digital payments【Visa SMB Survey】

Despite these clear advantages, too many entrepreneurs are still held back by slow settlement times and high fees.

The Solution: Instant, Seamless, Accessible Payments

Vivid and Adyen are now removing these barriers. SMEs and entrepreneurs can accept card payments, Apple Pay, and Google Pay through:

• Invoice payments: Send invoices with integrated payment links for fast online payment.
• Pay by Link: Create one-time or reusable links to accept payments remotely via email, WhatsApp, or SMS.
• E-commerce plugins: Integrate seamlessly with WooCommerce, OpenCart, Wix, and other popular platforms.

What sets Vivid apart is the combination of instant payouts and highly competitive pricing:

• While most providers settle payments after hours or even days, Vivid transfers revenue to the entrepreneur’s account in real time, once the customer requests payout
• And unlike many payment providers who charge additional subscription fees for card acceptance, Vivid offers one of the most competitive pricing structures in the market—available even on free plans.

This gives businesses immediate access to their money at a fraction of the cost—allowing them to pay suppliers, cover wages, and invest in growth without delay.

“Partnering with Adyen allows us to bring enterprise-grade payment technology to the smallest businesses in Europe,” said Alexander Emeshev, Co-Founder of Vivid Money. “Whether you’re a freelancer starting out on our free plan or an SME scaling your operations, you can now accept payments effortlessly and get your revenues instantly—no complicated setups, no expensive subscriptions.”

“With our Adyen for Platforms model, Vivid can offer their customers a seamless way to accept payments online and in-person, and access their funds instantly,” said Hella Fuhrmann, Country Manager DACH at Adyen. “It’s a powerful step toward solving the everyday cash flow and complexity challenges that small businesses face.”

Available Across the EU

The new card acquiring service is now available to all Vivid Business customers across the European Union. With this launch, Vivid continues its mission to empower entrepreneurs and SMEs with simple, transparent financial tools that were previously only accessible to large enterprises.