At a glance
Mix of payment methods used in Viva Payments transactions in the period, by share of revenue or transaction count. Visa, Mastercard, Amex, Maestro, Apple Pay, Google Pay, IRIS (Greek instant payment), Bancontact (Belgium), iDEAL (NL), Klarna, and Viva Wallet balance.
| What it counts | GROUP BY PaymentMethod COUNT(transactions WHERE StatusId = F) and the equivalent SUM by Amount. Pie / donut by share. |
| API endpoint | /api/transactions with BrandId and PaymentSource fields. |
| Methods covered | Card brands (Visa, Mastercard, Amex, Maestro, Diners, Discover, Visa Electron, JCB, Union Pay, Cartes Bancaires); wallets (Apple Pay, Google Pay, Viva Wallet); local schemes (IRIS Greece, Bancontact Belgium, iDEAL Netherlands, Multibanco Portugal, BLIK Poland, Klarna BNPL, Trustly bank-direct). |
| Currency | Currency-neutral when expressed as % share. Per-currency views available via filter. |
| Refunds / disputes | Excluded (only successful captures count). |
| Failed payments | Excluded. |
| 3DS treatment | Both frictionless and challenge-completed contribute. |
| Time window | 30D vsP. |
| Alert trigger | +10pp shift in any single method’s share vs prior period. |
| Roles | owner, marketing |
Calculation
Calculated automatically from your Viva Payments data. See the At a glance summary above for what the metric tracks and the worked example below for a typical reading.Worked example
A pan-EU DTC brand (“Aegean Honey”) on Smart Checkout with multiple local methods enabled. Window 03 Apr 26 to 02 May 26.| Method | Share of transactions | Share of revenue |
|---|---|---|
| Visa (debit + credit) | 38% | 36% |
| Mastercard (debit + credit) | 31% | 29% |
| Apple Pay | 12% | 14% |
| IRIS (Greek instant) | 6% | 5% |
| Google Pay | 4% | 5% |
| iDEAL (NL customers) | 3% | 4% |
| Bancontact (BE customers) | 2% | 3% |
| Amex | 2% | 3% |
| Klarna BNPL | 1% | 1% |
| Maestro / other | 1% | <1% |
- Apple Pay’s revenue share (14%) is higher than transaction share (12%). This is normal, Apple Pay users tend to be wealthier demographics with larger basket sizes. If you see Apple Pay rising, that’s a leading indicator of a higher-AOV cohort.
- IRIS share at 5, 6% is real and growing. IRIS is Greece’s instant-payment scheme (account-to-account, no card network involved). It’s growing 30, 40% year-over-year as Greek consumers adopt it. Critically, IRIS has effectively zero interchange (it’s bank-direct), so a 5pp shift from card to IRIS materially improves your blended fee rate.
- Local methods (iDEAL, Bancontact, Multibanco) cover specific countries. A NL customer paying with iDEAL pays via bank transfer with no card-scheme fees; merchants enabling iDEAL typically see 30, 50% iDEAL share among NL customers.
- Klarna BNPL share at 1% is low but growing. If your AOV is < EUR 50, BNPL adoption stays low. Above EUR 100 AOV (furniture, electronics), BNPL can hit 8, 15% of share.
- Why no PayPal? PayPal isn’t routed through Viva, customers paying with PayPal in your checkout go through your PayPal Business connector. They show up in
paypal.pp_payment_methods, not here.
Sibling cards merchants should reference together
| Card | Why pair it with Payment Methods |
|---|---|
viv_top_payment_methods | Sister card with same view, different threshold. |
viva_total_revenue | Method-mix shifts move revenue total, especially when high-AOV methods (Amex, Apple Pay) shift. |
viva_avg_transaction | Avg transaction is sensitive to method mix. |
viva_decline_rate | Method mix affects decline (Amex declines more than debit on EU traffic). |
viva_revenue_by_country | Country mix drives method mix (NL → iDEAL, BE → Bancontact, GR → IRIS). |
Stripe stripe_payment_method_mix / PayPal pp_payment_methods | Cross-PSP comparison. |
Reconciling against the vendor’s own dashboard
Where to look in the Viva Payments Dashboard: viva.com/business/account/login. Closest comparable view:Viva Business → Sales → Reports → Payment Methods (or By Brand for card brand split)Other relevant views:
- Smart Checkout configuration (Settings → Channels → Smart Checkout): which methods are enabled, vs which are actually used (this card).
- Risk view: per-method decline rates.
| Reason | Direction | Why |
|---|---|---|
| Time zone | Boundary days off | Athens vs UTC. |
| Method grouping | Either | Viva’s “Card” group sometimes lumps brands; this card splits Visa / Mastercard / Amex separately. |
| Wallet routing | Apple Pay shows underlying card | A Visa-funded Apple Pay payment may show as either “Apple Pay” or “Visa” depending on aggregation; this card prefers the wallet label. |
| Comparison | Expected relationship | When divergence is legitimate |
|---|---|---|
viva_payment_methods ↔ stripe.stripe_payment_method_mix | Independent (different rails) | Multi-PSP merchants see different mixes per rail. Premium / Amex traffic often defaults to Stripe; local + IRIS to Viva. |
viva_payment_methods ↔ commerce-platform method breakdown | Should match for Viva-paid orders | Commerce-platform aggregate covers all gateways; Viva is a subset. |
Known limitations / merchant FAQs
Why is IRIS only 5%? My competitors say theirs is 20%+. IRIS adoption depends heavily on (a) checkout positioning (top-of-list vs hidden under “more methods”), (b) icon recognition, and (c) the customer demographic (younger Greek customers adopt IRIS faster than over-50s). If your IRIS share is low, move IRIS up the checkout-method list and add the “instant, no-fee” badge. Many Greek merchants see IRIS rise to 15, 25% with these UX changes. Apple Pay underlying card, what gets recorded? This card prefers the wallet label (Apple Pay / Google Pay) over the underlying card brand. The underlying brand (e.g. “Visa”) is still in the rawBrandId field if you query the API directly.
Why is my BNPL share so low?
BNPL adoption correlates with AOV. Below EUR 50, BNPL stays at <2%. Above EUR 100, expect 5, 10%. Above EUR 200, can hit 15, 20% (electronics, furniture). Don’t expect BNPL to move the needle on small-basket commerce.
Local methods (iDEAL, Bancontact), do I need to enable them?
Yes, if you sell to NL or BE customers and don’t enable iDEAL / Bancontact, those customers see a card-only checkout, conversion drops 15, 25% in those countries. Enable everything Viva offers for the markets you sell into; disable nothing without measuring.
Method mix shifted 5pp toward Apple Pay, what changed?
Usually one of three: (a) you launched a campaign appealing to younger / iOS-heavy demographics, (b) checkout UX added a visible Apple Pay button, (c) iOS update made Apple Pay default in Safari. The shift is rarely random.
Different methods, different Viva fees?
Yes. Local rails (IRIS, iDEAL, Bancontact, BLIK) have low or zero scheme fees. Premium cards (Amex, World Elite) carry higher interchange. Method mix directly affects your blended fee rate. The Settlements view in Viva Dashboard shows fee detail per method.
Multi-currency, does this card show per-currency breakdown?
Default is blended. Per-currency filter in the Viva Dashboard. Cross-currency Apple Pay vs domestic IRIS, for example, won’t naturally separate without filtering.
JP Morgan ownership, any change to method support?
None. Method support continues under existing Viva product roadmap.