POSnavigator — payment provider comparison

POS and online payment solutions comparison.

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SumUp and Viva.com both compete in the bank-independent card acceptance market, but their approaches differ. SumUp’s strengths are its low entry threshold, simple transaction fees, and self-service launch — making it particularly attractive to small-business owners looking to accept card payments quickly and seamlessly.

Viva.com, on the other hand, offers a broader ecosystem: it has its own business account, multi-acquiring solution, and multiple terminal models, which can give greater flexibility to those looking for a complex financial solution. Viva is particularly beneficial for those who spend their business revenue with the bank card provided with their viva account, because there is a significant refund on card spending, which can significantly reduce the cost of card acceptance. In the following blocks, we will show you which direction may be more advantageous from a small-business perspective.

Provider overview

What do the two payment providers offer at a glance?

SumUp is a leading global financial technology company driven by the purpose of levelling the playing field for businesses of all sizes, with the vision of a world where everyone can build a thriving business.⁠
⁠ Founded in 2012, SumUp is the financial partner for more than 4 million small merchants in 37 markets worldwide, helping them start, run and grow their business.⁠
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In Hungary, SumUp helps businesses accept card payments in-person, on the go, and remotely through a simple ecosystem of tools:
Card readers & terminals: compact devices such as Air, Solo and Terminal for taking payments in-store or anywhere you do business.
Tap to Pay: accept contactless payments on supported Android and iPhone devices (no extra hardware required).
Remote payments: options like Payment Links.
Transparent pricing: no monthly fees or long-term contracts — merchants pay a transaction fee per payment (best to link to the official SumUp HU pricing page rather than stating a fixed %).
SumUp’s products span three main pillars: payment, POS, and account & card.⁠
⁠ Through its SuperApp, SumUp can also provide merchants with a free business account, an online store, and an invoicing solution, alongside in-person and remote payment acceptance integrated with SumUp’s terminals and POS systems.

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Comparison block

Mid-volume small retail, single terminal

For a fixed shop location with one checkout point. At this turnover level it is worth evaluating how total cost develops over a longer horizon and how reliable daily settlement is.

Teya vs SumUp — small shop and single-terminal retail

POS terminal comparison preset for small shops and single-terminal merchants

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Comparison block

Growing small retail, higher turnover

For retail merchants with a meaningful card turnover where scalability starts to matter: when does it make sense to move to a different plan, and how flexible is the provider as the business grows.

For small shops

Small shop

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