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| title: README |
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| # viva.com — Payments, Banking & AI |
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| viva.com is **the first tech bank in Europe for businesses**, offering an all-in-one platform for **omnichannel payments, issuing, loans, and deposit accounts**. We power card acceptance from **Tap on Any Device** (softPOS) to full POS terminals and advanced online checkout. We’re a **Principal Member of Visa and Mastercard** for acquiring and issuing, and part of **Viva Wallet Group**, which owns **VIVABANK S.A.**, a credit institution licensed by the **Bank of Greece**. |
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| > 🌍 Operating across Europe | 💳 Payments & Issuing | 🧠 AI-driven fraud prevention | 🔐 PCI DSS Level 1, PSD2/SCA compliant |
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| ## For developers |
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| - **API docs**: developer.viva.com – Standard Payment API, ISV API, Webhooks, and Terminal APIs. |
| - **Getting started**: Sandbox accounts, test cards, OAuth, and sample integrations. |
| - **Smart Checkout**: Hosted checkout supporting cards, wallets, and local payment methods. |
| - **Tap on Any Device**: Turn Android/iOS devices into contactless terminals. |
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| > Need help? Open an issue in the relevant repo or reach us via the Developer Portal’s **Contact & Support**. |
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| ## Responsible AI & Compliance |
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| We design and release AI assets with a **payments-first safety posture**: |
| - **Compliance**: PSD2/SCA, PCI DSS Level 1. |
| - **Security**: Tokenization, biometric support, dynamic CVV, and AI-assisted anti-fraud. |
| - **Privacy**: We don’t publish or accept sensitive cardholder data. Datasets here are synthetic, anonymized, or aggregated. |
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| Please review the **Intended Use** and **Limitations** sections in each model card before deployment. |
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| ## Contributing |
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| We welcome community feedback and contributions (bug reports, evals, docs). |
| Before submitting: |
| 1. Check the model card for license and contribution guidelines. |
| 2. Avoid sharing any real payment or personal data. |
| 3. Include reproducible evaluation steps. |
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| ## Links |
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| - 🌐 Website: https://www.viva.com |
| - 🧑💻 Developer Portal: https://developer.viva.com |
| - 💬 Help Center: https://euhelp.viva.com |
| - 🔗 LinkedIn: https://www.linkedin.com/company/viva-com/about/ |
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| *© viva.com. Trademarks belong to their respective owners.* |
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