Viva.com is widening its European footprint with launches in five new markets: Estonia, Latvia, Lithuania, Slovakia and Slovenia. The move brings the company’s total presence to 29 countries.
The expansion gives merchants in the Baltics and Central Europe access to Viva.com’s integrated platform, which combines payments acceptance, banking services and lending products in one system.
The company says the model is designed around how businesses actually operate, with real-time transaction data, KYC and commercial performance feeding directly into credit decisions.
This geographic expansion follows a strong financial year for Viva.com. Revenue rose 26% in 2025 to €258.6 million, while gross profit increased 34% to €119.3 million. The company also reported positive adjusted EBITDA, improving by more than €42 million year on year. Momentum has carried into 2026, with first-quarter revenue up 28%.
One platform, multiple services
Viva.com’s offer combines omnichannel payments acceptance, banking services and specialist lending tools such as working capital and factoring. Repayment is handled automatically through incoming business transactions, reducing the need for separate applications or added paperwork.
Artificial intelligence is embedded across operations, including onboarding, KYC, credit assessment and customer service. The platform also connects directly to local payment schemes, alternative payment methods and European payment systems, while its Tap on Any Device technology enables payments on any Android or iPhone device.
