Viva Wallet is a payment solution that allows consumers to make easy, instant and secure payments at participating ecommerce merchants over the Internet. Viva is a popular payment method in Greece. The following method IDs are covered in this section:

ID	Name	Credit/Debit State	Reversal State
214	VivaPaymentsDeposit	DepositedByProvider (29)

Payment method interaction type: Redirection to External Payment Provider (see [Interaction Types](doc:interactions-merchantkalixaprovider)). **Payment flow** Once the customer has chosen to pay with Viva ("Viva Wallet"), he is redirected to Viva payments and has to sign in to his Viva wallet account. User then has to complete the payment by selecting a funding option and then user is redirected back to the merchant´s page with transaction status. > 📘 Funding methods and their Configuration > > The funding options available within Viva are available wallet balance, card payments, online banking, pay\@home and cash payments at Viva spots. > > It is possible to disable the following payment options: > > * funding option IVR (pay over phone) > > * cash. The user will not have the option to pay in cash at Viva Spots, and the checkout page will not display the cash and e-Banking/phone banking options. > > However, the customer will still be able to make a payment from his bank if he/she knows how to use the VivaPayments order code on their online banking. In order for the cash tab to be available, the PaymentTimeOut option should be at least one hour. > > * card: Card payments by credit, debit or prepaid card can be disabled. In that cse, the checkout page will not display the card payment option. > > * pay\@home: It is possible to disable the Pay\@home service. In order for the Pay\@home tab to be available the PaymentTimeOut should be at least 2 working days. > > * exact amount: It is possible to disable the exact amount and allow any amount, irrespective of the requested amount. It will also allow multiple payments to be performed for the same order. In particular, when the payment order is created before redirecting the customer to Viva payments, an OrderCode is issued. **Card payments**\ For card payments, customer first name, last name and eMail address - entered by the user during payment - are returned to the merchant. **Bank Transfer**\ When selecting BankTransfer (DIAS), the user makes a bank transfer to VIVA concerning the issued OrderCode, and the money is deposited to the merchant´s Viva Wallet on the next day. No information regarding the user´s bank account details is being passed. With bank transfer it is possible, that the amount is different than initiated at merchant site. E.g. customer initiates a deposit of 100 EUR at merchants site, however, transfers only 50 EUR from his bank account. PXP Financial will send a notification for state DepositedByProvider with about 50 EUR. While it is possible to disable to BankTransfer funding option, it is however still possible that customers copy an OrderCode - even an old, expired one - and transfer money to Viva. **Cash Transfer @ Viva Spot**\ Customers can transfer a different amount than the one initiated at merchant site or Viva if the order is created with an open amount. If the order is created with a fixed amount, they cannot. Customers also need a valid, active, unexpired order. The amount cannot be lower than the commission/fee (typically around 0.30 EUR) and there´s no upper limit. Large amounts might be denied by the Viva Spot. When the user decides to pay at a Viva spot, payments are executed (notified) instantly. **Cancellation, Refund and Capturing** The payment method includes cancellations, refunds and capturing. For credit card payments (full) cancellation is possible before capturing; after capturing full or partial refunds are possible. For wallet, cash and Dias transactions capturing does not apply, and cancellation is possible at any time. For Wallet transaction refund is applied, for Cash transaction only cancellation (in case of error). For BankTransfer (Dias) transactions cancellation/refund is not possible. **Chargebacks** Chargebacks are possible as well. **Notification**\ For card deposits, customer details, card instrument details and error codes are passed in the notification. ## Redirect Integration Currently not supported. ## Backend2BackendIntegration The following table contains the fields to be sent in the **initiatePaymentRequest.specificPaymentData** section:

key (value type, account type, required)	value
PaymentDescription (string)	Description of the payment, this will be passed as CustumerTrns in the CreateOrder call.
* DisableExactAmount\\* (Boolean\)	If this parameter is passed with value true, the Order can accept any amount, irrespective of the RequestAmount option. It will also allow multiple payments to be performed for the same Payment Order.
* ExpirationDate\\* (DateTime\)	Same as PaymentTimeOut (below) but expressed in absolute datetime in ISO 8601 format. Note that if set, ExpirationDate overrides the PaymentTimeOut option.
* DisableIVR\\* (Boolean\)	If this parameter is passed with value true, the customer will not have the option to pay over the phone (IVR).
* DisableCash\\* (Boolean\)	If this parameter is passed with value true, the customer will not have the option to pay in cash at a Viva Spot, and the checkout page will not display the Cash and E-Banking/Phone banking options. Default value is false.\ Note: Even if this option is set and the E-Banking/Phone banking options will not be displayed, the customer will still be able to make a payment from these channels if they know how to use the Viva Payments Order Code on their e-banking. In order for the Cash tab to be available, the PaymentTimeOut value should be at least one hour.
* DisableCard\\* (Boolean\)	If this parameter is passed with value true, the customer will not have the option to pay by (credit, debit or prepaid) card, and the checkout page will not display the Card payment option. Default value is false.
* DisablePayAtHome\\* (Boolean\)	If this parameter is passed with value true, the customer will not have the option to pay using the Pay\@Home service.\ Note: In order for the Pay\@Home tab to be available the PaymentTimeOut option should also be at least two working days.
* PaymentTimeOut\\* (Boolean\)	By default, the life span of every Payment Order is 300 seconds (5 minutes). This is the time given to the cardholder to complete an online payment. If the cardholder does not complete the payment within the given time frame, the Payment Order is automatically cancelled. By using this parameter, you can define a different life span for your Payment Order. Note 1: Value is in seconds and can be either smaller or greater than 300 secs. Note 2: Use value 65535 if you want your Payment Order to never expire.
* CustomerName\\* (String\)	The cardholder's full name, in order to be filled in on the payment form.
* CustomerEmail\\* (String\)	The cardholder's e-mail address, in order to be filled in on the payment form.
* TelephoneNumber\\* (String\)	The cardholder's telephone number, in order to be filled in on the payment form.
* SuccessPageUrl\\* (String\)	URL, to which the client will be transferred in case that she confirms the payment (but it does not guarantee that the payment is made for real)
* CancelPageUrl\\* (String\)	URL, to which the client will be transferred in case that she decides not to pay

**Example`initiatePaymentRequest`:** ```xml B2BTestMerchant 150001 aba088be-ba96-4fc8-8fb4-6612decc862c 214 10.00 4a551f11-b9d8-4f88-9c71-89aaa12cee06 4a551f11-b9d8-4f88-9c71-89aaa12cee06 127.0.0.1 7a4cd7ab-4664-483f-9ca6-c69372c82971 1 ExpirationDate 2020-08-01T23:15:00 DisableExactAmount false DisablePayAtHome false DisableIVR false DisableCash false DisableCard false PaymentTimeOut 65535 CustomerName John Smith CustomerEmail email@email.gr TelephoneNumber 2131234567 ``` **Example`initiatePaymentResponse`:** ```xml B2BTestMerchant 150001 214 VivaPaymentsDeposit aba088be-ba96-4fc8-8fb4-6612decc862c 99f2cd5e-655f-4d3f-906d-c85e642d4a93 4a551f11-b9d8-4f88-9c71-89aaa12cee06 144 VivaPayments 10.00 1 User 127.0.0.1 d4c5fe74-8f4a-4140-8d19-b32d0b0fd88d 30 RedirectURLCreated 2016-04-05T10:07:19.3080949Z http://test.backend.cqrpayments.com/WebMockProviders/VivaDepositRedirect.aspx?ref=1709426567 RedirectionUrl http://test.backend.cqrpayments.com/WebMockProviders/VivaDepositRedirect.aspx?ref=1709426567 PaymentStateReasonID 1 false 10 ProviderOrderID 1709426567 ProviderExternalID 99f2cd5e-655f-4d3f-906d-c85e642d4a93 0 ``` ## Notifications The standard notification mechanism is used for notifying the merchant in the background (asynchronously) about payment state changes. For more information see [PaymentStateChangedNotification](doc:paymentstatechangednotification). Once PXP Financial is notified by the provider about the state of a payment, we will update the state of the payment and notify the merchant with the below request. All configured details can be sent to merchant, but depending on transaction type related values vary.

Funding Source	Notification field	Description
Card	ProviderCardTypeID	Possible values: 0 (Visa), 1 (Mastercard), 2 (Diners), 3 (Amex), 4 (Invalid), 5 (Uknown), 6 (Maestro), 7 (Discover), 8 (JCB)

**Example`handlePaymentStateChangedNotificationRequest` for cards:** Please note the fields `ProviderCardNumber`(with a masked credit card number), `ProviderCardIssuingBank`, `ProviderCardCountryCode` in the notification below. ```xml B2BTestMerchant 150001 214 VivaPaymentsDeposit 866cae0a-d9ce-457c-bc1e-a0ae6580b310 89c1538a-1cde-499e-a832-3ac6e6ae64bb f5bd7eea-3b7a-44ad-9003-a1fc23b89e7b 144 VivaPayments 10.0000 1 User 127.0.0.1 53dad97a-5f7e-4057-9980-594ac8229c4c 29 DepositedByProvider 2016-04-11T15:44:33.88 ProviderTransactionTypeID 5 ProviderCardTypeID 1 ProviderInsDate 2012-12-24T13:21:44.323 ProviderTransactionIDString 5cc8378f-0dca-4ccd-845d-c7aa671f0742 ProviderStatusCode F ProviderErrorMessage ProviderErrorCode 0 ProviderSourceCode 4791 ProviderResellerID ProviderResellerSourceCode ProviderCustomerEmail customer@viva.gr ProviderCustomerPhone +3592131234567 ProviderCustomerFullName Customer Name ProviderCardToken sample string ProviderCardNumber 411111XXXXXX1111 ProviderCardIssuingBank EFG EUROBANK ProviderCardCountryCode GR ProviderCommission 3.210000000 true 10.0000 ProviderExternalID 89c1538a-1cde-499e-a832-3ac6e6ae64bb ProviderTransactionID 5cc8378f-0dca-4ccd-845d-c7aa671f0742 ProviderOrderID 429267078 0 ``` **Example`handlePaymentStateChangedNotificationRequest` for Viva Spot:** Please note the fields `ProviderResellerID` and `ProviderResellerSourceCode` in the message below. ```xml B2BTestMerchant 150001 214 VivaPaymentsDeposit 4ffa712f-5486-4764-9e99-3b670e60ebde 6fcf644c-4f07-4ca0-a82e-cc597fa046c0 91a1e22c-68d7-4601-926f-251d03e2cce2 144 VivaPayments 10.0000 1 User 127.0.0.1 5cfef7cb-cd3d-4678-a312-0f85abdc2aa6 29 DepositedByProvider 2016-04-11T15:46:02.553 ProviderTransactionTypeID 15 ProviderInsDate 2012-12-24T13:21:44.323 ProviderTransactionIDString 1d45b296-9c63-4959-86d2-fdd432d08618 ProviderStatusCode F ProviderErrorMessage ProviderErrorCode 0 ProviderSourceCode 4791 ProviderResellerID 672d9097-68bb-43e2-abe0-2013e5958bce ProviderResellerSourceCode Default ProviderCustomerEmail customer@viva.gr ProviderCustomerPhone +3592131234567 ProviderCustomerFullName Customer Name ProviderCardToken ProviderCardNumber ProviderCardIssuingBank ProviderCardCountryCode ProviderCommission 3.210000000 true 10.0000 ProviderExternalID 6fcf644c-4f07-4ca0-a82e-cc597fa046c0 ProviderTransactionID 1d45b296-9c63-4959-86d2-fdd432d08618 ProviderOrderID 914297644 0 ``` **Example 'handlePaymentStateChangedNotificationRequest' for a DIAS (Banktransfer) payment:** ```xml B2BTestMerchant 150001 214 VivaPaymentsDeposit 4ffa712f-5486-4764-9e99-3b670e60ebde 6fcf644c-4f07-4ca0-a82e-cc597fa046c0 91a1e22c-68d7-4601-926f-251d03e2cce2 144 VivaPayments 10.0000 1 User 127.0.0.1 5cfef7cb-cd3d-4678-a312-0f85abdc2aa6 29 DepositedByProvider 2016-04-11T15:46:02.553 ProviderTransactionTypeID 15 ProviderInsDate 2012-12-24T13:21:44.323 ProviderTransactionIDString 1d45b296-9c63-4959-86d2-fdd432d08618 ProviderStatusCode F ProviderErrorMessage ProviderErrorCode 0 ProviderSourceCode 4791 ProviderResellerID 672d9097-68bb-43e2-abe0-2013e5958bce ProviderResellerSourceCode Default ProviderCustomerEmail customer@viva.gr ProviderCustomerPhone +3592131234567 ProviderCustomerFullName Customer Name ProviderCardToken ProviderCardNumber ProviderCardIssuingBank ProviderCardCountryCode ProviderCommission 3.210000000 true 10.0000 ProviderExternalID 6fcf644c-4f07-4ca0-a82e-cc597fa046c0 ProviderTransactionID 1d45b296-9c63-4959-86d2-fdd432d08618 ProviderOrderID 914297644 0 ``` **Example`handlePaymentStateChangedNotificationRequest` for Cash payment:** ```xml B2BTestMerchant 150001 214 VivaPaymentsDeposit 14d0ba5c-1abd-4673-a960-9858f2e17c03 57b3ab1d-5d2b-4108-b1d1-e3a874d562b3 5ca2dc4c-dfba-4ac3-a351-0285d697e1c8 144 VivaPayments 10.0000 1 User 127.0.0.1 884089c5-d223-4bd0-9050-b335997745c7 29 DepositedByProvider 2016-04-11T15:49:50.57 ProviderTransactionTypeID 16 ProviderInsDate 2012-12-24T13:21:44.323 ProviderTransactionIDString a0157af5-a3c7-48e1-b7a7-4fe10ca00bf5 ProviderStatusCode F ProviderErrorMessage ProviderErrorCode 0 ProviderSourceCode 4791 ProviderResellerID ProviderResellerSourceCode ProviderCustomerEmail customer@viva.gr ProviderCustomerPhone +3592131234567 ProviderCustomerFullName Customer Name ProviderCardToken ProviderCardNumber ProviderCardIssuingBank ProviderCardCountryCode ProviderCommission 3.210000000 true 10.0000 ProviderExternalID 57b3ab1d-5d2b-4108-b1d1-e3a874d562b3 ProviderTransactionID a0157af5-a3c7-48e1-b7a7-4fe10ca00bf5 ProviderOrderID 1738039841 0 ``` **Example`handlePaymentStateChangedNotificationRequest` for Wallet**: ```xml B2BTestMerchant 150001 214 VivaPaymentsDeposit a2171245-509f-4a3e-945e-29753d535af8 51ee781b-c35d-4013-80af-8a0d36859b38 aa3d7a2f-4388-4f56-82cc-0d2d661490cb 144 VivaPayments 10.0000 1 User 127.0.0.1 96cdcc2d-8228-4886-ad81-16fde259e9b6 29 DepositedByProvider 2016-04-11T15:50:58.713 ProviderTransactionTypeID 9 ProviderInsDate 2012-12-24T13:21:44.323 ProviderTransactionIDString e7c3cf8f-9616-4367-bfc4-3e7f06c28c7c ProviderStatusCode F ProviderErrorMessage ProviderErrorCode 0 ProviderSourceCode 4791 ProviderResellerID 672d9097-68bb-43e2-abe0-2013e5958bce ProviderResellerSourceCode ProviderCustomerEmail customer@viva.gr ProviderCustomerPhone +3592131234567 ProviderCustomerFullName Customer Name ProviderCardToken ProviderCardNumber ProviderCardIssuingBank DE ProviderCardCountryCode ProviderCommission 3.210000000 true 10.0000 ProviderExternalID 51ee781b-c35d-4013-80af-8a0d36859b38 ProviderTransactionID e7c3cf8f-9616-4367-bfc4-3e7f06c28c7c ProviderWalletID 638044672600 ProviderOrderID 955653442 CustomerID f340660b-d3e6-4733-8b5f-b9a4574fdc45 0bd44daa-9310-47bc-898e-a26457d07bfc ``` ## Provider Testing For provider testing, please refer to the test cards you can find in the link below.\ [https://developer.vivawallet.com/integration-reference/test-cards-and-environments/](https://developer.vivawallet.com/integration-reference/test-cards-and-environments/) For payment with Viva, please use your personal demo viva account (signup [here](https://demo.vivapayments.com/)), if you don’t have funds, please send PXP Financial Support your mobile you are using for demo to add funds.

key (value type, account type, required)	value
PaymentDescription (string)	Description of the payment, this will be passed as CustumerTrns in the CreateOrder call.
* DisableExactAmount\\* (Boolean\)	If this parameter is passed with value true, the Order can accept any amount, irrespective of the RequestAmount option. It will also allow multiple payments to be performed for the same Payment Order.
* ExpirationDate\\* (DateTime\)	Same as PaymentTimeOut (below) but expressed in absolute datetime in ISO 8601 format. Note that if set, ExpirationDate overrides the PaymentTimeOut option.
* DisableIVR\\* (Boolean\)	If this parameter is passed with value true, the customer will not have the option to pay over the phone (IVR).
* DisableCash\\* (Boolean\)	If this parameter is passed with value true, the customer will not have the option to pay in cash at a Viva Spot, and the checkout page will not display the Cash and E-Banking/Phone banking options. Default value is false.\ Note: Even if this option is set and the E-Banking/Phone banking options will not be displayed, the customer will still be able to make a payment from these channels if they know how to use the Viva Payments Order Code on their e-banking. In order for the Cash tab to be available, the PaymentTimeOut value should be at least one hour.
* DisableCard\\* (Boolean\)	If this parameter is passed with value true, the customer will not have the option to pay by (credit, debit or prepaid) card, and the checkout page will not display the Card payment option. Default value is false.
* DisablePayAtHome\\* (Boolean\)	If this parameter is passed with value true, the customer will not have the option to pay using the Pay\@Home service.\ Note: In order for the Pay\@Home tab to be available the PaymentTimeOut option should also be at least two working days.
* PaymentTimeOut\\* (Boolean\)	By default, the life span of every Payment Order is 300 seconds (5 minutes). This is the time given to the cardholder to complete an online payment. If the cardholder does not complete the payment within the given time frame, the Payment Order is automatically cancelled. By using this parameter, you can define a different life span for your Payment Order. Note 1: Value is in seconds and can be either smaller or greater than 300 secs. Note 2: Use value 65535 if you want your Payment Order to never expire.
* CustomerName\\* (String\)	The cardholder's full name, in order to be filled in on the payment form.
* CustomerEmail\\* (String\)	The cardholder's e-mail address, in order to be filled in on the payment form.
* TelephoneNumber\\* (String\)	The cardholder's telephone number, in order to be filled in on the payment form.
* SuccessPageUrl\\* (String\)	URL, to which the client will be transferred in case that she confirms the payment (but it does not guarantee that the payment is made for real)
* CancelPageUrl\\* (String\)	URL, to which the client will be transferred in case that she decides not to pay