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title: README
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# viva.com — Payments, Banking & AI

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**. 

> 🌍 Operating across Europe | 💳 Payments & Issuing | 🧠 AI-driven fraud prevention | 🔐 PCI DSS Level 1, PSD2/SCA compliant

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## For developers

- **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.

> 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

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.

Please review the **Intended Use** and **Limitations** sections in each model card before deployment.

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## Contributing

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

- 🌐 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.*