Viva.com Brings Integrated Payments, Banking and Financing to Five New European Countries

WHY THIS MATTERS: This move signifies more than simple geographic expansion; it represents a major maturation point for the integrated banking-as-a-service model in Europe. By completing its operational footprint across 29 countries, Viva.com is escalating the competitive pressure on both traditional banks and singular payment service providers. The real value lies in the seamless integration of a full banking license, omnichannel payment acceptance, and contextually aware financing solutions like working capital. This capability, driven by embedded AI and real-time transaction data, is the definition of embedded finance at scale. It offers small and medium-sized enterprises (SMEs) a singular operating system that eliminates the friction and delay associated with siloed financial services. For the broader market, this expansion proves that a profitable “Tech Bank” model, built on next-generation omnichannel payments technology like Tap on Any Device, can achieve critical mass across a highly fragmented European landscape. This unified, profitable growth story should serve as a wake-up call to legacy institutions struggling to deliver such comprehensive, friction-free value.

Viva.com, the first Tech Bank in Europe for businesses, has extended its European operations to Estonia, Latvia, Lithuania, Slovakia and Slovenia, bringing its total footprint to 29 countries. The activation gives businesses across the Baltic states and Central Europe access to Viva.com’s integrated platform, which combines payment acceptance, banking services, and a full suite of financing solutions.

Vagelis Kollintzas, Group Deputy CEO, Viva.com, commented: “These five markets complete our European footprint. Businesses and partners across the EU and UK now have access to the same integrated platform, with payments, banking, and financing built around how they actually operate. This is Viva.com at full strength: a profitable, growing business with a presence across 29 European countries.”

The expansion follows a year of significant financial progress. Full-year 2025 revenue grew 26% to €258.6 million, gross profit increased by 34% to €119.3 million, and Adjusted EBITDA turned positive – a year-on-year improvement of more than €42 million. Q1 2026 revenue continues to grow at 28%.

Viva.com brings together omnichannel payment acceptance, a full banking licence, and tailored financing, such as working capital, and advance booking factoring, on a single integrated platform.

Transaction data, KYC, and real-time trading performance feed directly into credit decisions, so financing is available without separate applications or onboarding delays, and repayments move with payment acceptance flows. AI is embedded across the platform, from onboarding and KYC through to credit assessment and customer operations. Viva.com connects directly to all major European card schemes and payment methods.

Its Tap on Any Device technology enables payment acceptance on any Android device or iPhone, while integrations with over 400 software and hardware partners mean businesses can access all-in-one solutions and scale across borders without rebuilding infrastructure for each market.

FF NEWS TAKE: Absolutely, this is a needle-mover. Achieving pan-European reach across 29 markets with an integrated banking and payments ecosystem confirms the potency of the ‘Tech Bank’ concept. The next competitive battleground will be the quality of their data-driven credit decisions. We must watch how the embedded AI translates real-time sales and KYC data into loan performance. If this strategy yields significantly lower default rates than traditional lenders, Viva.com will become the undisputed benchmark for contextual business financing.