Viva.com is a European fintech company specializing in payment solutions. They offer omnichannel payment platforms for businesses across 24 European countries, supporting over 40 payment methods and multiple currencies. Their services include Tap on Any Device for in-store payments, Smart Checkout for online transactions, and Merchant Advance. Viva.com targets businesses of all sizes, providing scalable payment solutions. Their unique selling proposition is the ability to offer real-time settlements and offline payments, reducing transaction fees to as low as 0% with their business debit card[1][3].