I am extremely disappointed with my experience.
When I registered for this service in 2023, there was no subscription model at all. Subscription plans were only introduced in June 2024, well after my initial registration.
I never gave explicit consent to any paid subscription. I did not receive any contract, written confirmation, or notification informing me that a paid subscription had been activated on my account. Additionally, my account had been inactive since April 2024, which makes this situation even more concerning.
Despite this, my account was unilaterally migrated to a paid plan, even though a free account option was available. This was done without my agreement.
The company claims that an email was sent to inform me about the activation of a paid subscription. However, I regularly check all my inboxes, including spam folders, and I never received any such message.
This practice feels misleading and unacceptable. Subscriptions should never be activated without clear, explicit, and documented consent from the user. I would not recommend this service based on this experience
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We are viva.com: A European Tech Bank, with presence in 24 countries. We are the first European payment services provider entirely cloud-based, over Microsoft Azure. Viva.com is a Principal Member of Visa and MasterCard for acquiring and issuing services with direct connectivity to the Card Schemes providing processing services through our own platform. We offer businesses of all sizes an opportunity to accept 38+ payment methods including a wide variety of card schemes, digital wallets, local payment methods and more!
We are a licensed E-Money Institution, based on the provisions of European Commission’s PSD1 and PSD2 Directives with passporting rights and E-Money license across the entire EEA-31 region.
Viva Payments Services S.A. is authorised by the Financial Conduct Authority under the Payment Service Regulations (registration number 900595) for the provision of payment services.See more
