Comparison

viva.com vs Worldline Authenticator

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

viva.com

Manage your business finances and card transactions from your phone. Open a merchant account, track sales, issue refunds, and send/receive money. Create digital and physical cards, add them to your mobile wallet, and manage expenses with receipt matching. Offers an online savings account with interest for Eurozone users.

Highlights
  • Merchant account opening
  • Real-time sales history and reports
  • Refund processing
  • Send and receive money
  • Digital and physical card management
  • Expense reporting with receipt matching
  • Online business savings account
Features
Read full description

The viva.com is the money management app for using your viva.com cards and more. Get started • Open your merchant account easily from your phone with no waiting time or delays. Sales history and reports • Monitor your business performance at a glance • Issue refunds to your customers • View real-time Sales history • View details for Sales transactions Manage your expenses and money • Send and receive money • Create and manage Digital and Physical cards for you or your employees • Add your cards to Wallet and make payments with Apple Pay • Match receipts with transactions to make expense reporting effortless Other features • Instant push notifications for account activity and transactions • Switch between personal and business accounts • Verify your account • Bill payments via mobile Viva.com Saver Account*: A fully online business savings account that helps you earn interest—while keeping you in control with easy access to your funds anytime you need them. *Available where applicable. Supported languages: • English • Bulgarian • Croatian • Danish • Finnish • French • German • Dutch • Greek • Hungarian • Polish • Romanian • Portuguese • Spanish • Italian • Swedish • Czech • Norwegian • Estonian • Latvian • Slovenian • Slovakian • Lithuanian Questions? We're here to help: https://www.viva.com

About

Worldline Authenticator

Read full description

Worldline Authenticator is an application that enables strong customer authentication on mobile applications with two factor authentication. Through the use of biometrics or a PIN code in combination with the possession of your device, your sensitive operations can be validated in complete security. In order to use the application, you need to be enrolled first. For the enrollment, you will need the identifiers (either with a QRcode, or with the following information: login, name of your bank or service provider, activation code) provided directly by your bank or service provider. Once the enrollment is done, each time you perform a sensitive operation, a PUSH notification will arrive on your mobile phone asking you to authenticate yourself. To validate your operation, simply use your phone’s biometrics or a previously created PIN code.

Screenshots

viva.com4 screens
Worldline Authenticator4 screens

Verdict

The call

The clearest difference is update cadence: viva.com at fortnightly against Worldline Authenticator's every 6 months. Worldline Authenticator's advantage is device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

viva.com ships an update fortnightly, Worldline Authenticator every 6 months. The most recent releases landed on September 17, 2026 and September 5, 2026 respectively.

Scorecard2 real differences · 8 level
viva.com versus Worldline Authenticator: the parameters behind the verdict, then further details
Parameterviva.comWorldline Authenticator
PriceFreeFree
Rating4.8 (82 ratings) — better—
Positive reviews32.1% of reviews—
Number of ratings82 — better—
Update frequencyFortnightly — betterEvery 6 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.016.0
Further details — not scored
Size148 MB25 MB
Age rating4+4+
DeveloperVIVA WALLET HOLDINGS - SOFTWARE DEVELOPMENT SAWorldline

In-app purchases

None

viva.com

No in-app purchases

None

Worldline Authenticator

No in-app purchases

Questions

Is viva.com free?
viva.com is free to download, with no in-app purchases.
Is Worldline Authenticator free?
Worldline Authenticator is free to download, with no in-app purchases.
Do viva.com or Worldline Authenticator have ads?
Neither viva.com nor Worldline Authenticator shows ads.
Which is updated more often, viva.com or Worldline Authenticator?
viva.com ships an update fortnightly, and Worldline Authenticator every 6 months. Most recently, viva.com was updated on September 17, 2026 and Worldline Authenticator on September 5, 2026.

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