viva.com vs Worldline Authenticator
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
Worldline Authenticator
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | viva.com | Worldline Authenticator |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (82 ratings) — better | — |
| Positive reviews | 32.1% of reviews | — |
| Number of ratings | 82 — better | — |
| Update frequency | Fortnightly — better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 148 MB | 25 MB |
| Age rating | 4+ | 4+ |
| Developer | VIVA WALLET HOLDINGS - SOFTWARE DEVELOPMENT SA | Worldline |
In-app purchases
viva.com
No in-app purchases
Worldline Authenticator
No in-app purchases
Questions
Is viva.com free?
Is Worldline Authenticator free?
Do viva.com or Worldline Authenticator have ads?
Which is updated more often, viva.com or Worldline Authenticator?
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