> ## Documentation Index > Fetch the complete documentation index at: https://docs.vortexiq.ai/llms.txt > Use this file to discover all available pages before exploring further. # Revenue by Country, Viva Payments > Revenue by Country for Viva Payments stores. Tracked live in Vortex IQ Nerve Centre. How to read it, why it matters, and how to act on it. **Metrics type:** [Supporting Metrics](/nerve-centre/overview#metrics-types-explained) • **Category:** [Payment Gateway](/nerve-centre/connectors#connectors-by-type) ## At a glance > Successful Viva Payments revenue grouped by customer country (or, when missing, card-issuer country). The cross-border / domestic split that's structurally important for pan-EU SMBs adopting Viva for multi-country expansion. | | | | ------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **What it counts** | `SUM(transactions.Amount WHERE StatusId = F) GROUP BY billing_country`. Falls back to card-issuer country when billing country is missing (typical for guest checkout). | | **API endpoint** | [`/api/transactions`](https://developer.vivawallet.com/apis-for-payments/payment-api/) joined with `BillingDetails.Country` and `CardCountry` (BIN-derived). | | **Currency** | **FX-converted to a presentment currency (default EUR) at Viva's published daily rate** for cross-country comparison. The only Viva card with FX. Per-country totals visible in native currency on hover. | | **Refunds** | NOT deducted. Gross revenue per country. | | **Disputes / chargebacks** | NOT deducted. | | **Failed / declined payments** | Excluded. | | **Country resolution priority** | (1) Customer billing country (Smart Checkout requires this for EEA SCA), (2) Card-issuer country from BIN, (3) "Unknown" (typically \<2% of volume). | | **Channels** | Online + POS unified. POS captures default to merchant's country (terminal location) unless explicitly tagged. | | **Time window** | `30D vsP`. | | **Alert trigger** | `+25%` shift in any single country's share vs prior period (catches cross-border surges). | | **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 olive-oil brand ("Aegean Olive") shipping to 12 EU countries, headquartered Greece. Window 03 Apr 26 to 02 May 26. | Country | Customers | Revenue (native) | Revenue (EUR equiv) | Share | | ------------------- | --------- | ---------------- | -------------------- | ----- | | Greece (GR) | 4,210 | EUR 218,400 | EUR 218,400 | 47% | | Germany (DE) | 1,150 | EUR 64,800 | EUR 64,800 | 14% | | France (FR) | 980 | EUR 51,200 | EUR 51,200 | 11% | | Italy (IT) | 620 | EUR 32,100 | EUR 32,100 | 7% | | Cyprus (CY) | 540 | EUR 28,400 | EUR 28,400 | 6% | | United Kingdom (GB) | 480 | GBP 24,200 | EUR 28,300 (FX 1.17) | 6% | | Netherlands (NL) | 280 | EUR 16,200 | EUR 16,200 | 3.5% | | Romania (RO) | 220 | RON 78,400 | EUR 15,800 (FX 0.20) | 3.4% | | Belgium (BE) | 95 | EUR 4,800 | EUR 4,800 | 1% | | Other | 110 | mixed | EUR 4,200 | 1% | ```text theme={null} Total EUR-equivalent (this card) EUR 464,200 EUR-native portion (no FX needed) EUR 416,100 (89.6%) GBP-native portion (FX applied) GBP 24,200 → EUR 28,300 RON-native portion (FX applied) RON 78,400 → EUR 15,800 ``` What the merchant should notice: 1. **Greece + Cyprus = 53% of revenue.** Mediterranean home-market dominance is normal for a Greek brand. If this drops, either home market is shrinking or international growth is real, watch the trend. 2. **Germany at 14% with no German-language site is impressive.** A brand selling to DE customers in English/Greek is leaving conversion on the table; native-language checkout typically lifts DE conversion 15, 25%. 3. **GBP-settled revenue at EUR 28,300 equivalent is \~6%, with FX applied at 1.17.** UK customers paying in GBP avoid Stripe-style 1% FX spread; the merchant settles directly to a GBP IBAN with Viva. A pan-EU brand serving UK is structurally cheaper on Viva than on Stripe for this reason. 4. **RON traffic is small but present.** Romanian customers pay in lei; Viva natively settles to a RON IBAN (or converts to EUR daily at published rate). Most non-Greek competitors don't offer RON settlement and lose Romanian customers to local PSPs. 5. **"Other" at 1% covers tail markets.** Often Spain (ES), Portugal (PT), Bulgaria (BG), Sweden (SE), Norway (NO). Each individually small but worth aggregating for marketing planning. ## Sibling cards merchants should reference together | Card | Why pair it with Revenue by Country | | ------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------- | | [`viva_total_revenue`](/nerve-centre/kpi-cards/viva-payments/total-revenue) | The total this slices. | | [`viva_card_country_mismatch`](/nerve-centre/kpi-cards/viva-payments/card-vs-customer-country-mismatches) | Mismatch view, when card-country and customer-country differ. Good fraud signal. | | [`viva_payment_methods`](/nerve-centre/kpi-cards/viva-payments/payment-methods) | Country mix drives method mix (NL → iDEAL, BE → Bancontact, GR → IRIS). | | [`viva_decline_rate`](/nerve-centre/kpi-cards/viva-payments/decline-rate) | Cross-border declines higher than domestic; country mix moves blended rate. | | [`viva_avg_transaction`](/nerve-centre/kpi-cards/viva-payments/average-transaction) | Country mix moves avg (DE / NL baskets often larger than GR). | | Stripe [`stripe_revenue_by_country`](/nerve-centre/kpi-cards/stripe/revenue-by-country) / PayPal revenue by country | Cross-PSP comparison. | | Commerce platform revenue by country | Upstream view; should match for Viva-paid orders. | ## Reconciling against the vendor's own dashboard **Where to look in the Viva Payments Dashboard:** [viva.com/business/account/login](https://www.viva.com/en/business/account/login). Closest comparable view: > **Viva Business → Sales → Reports → Geography** The map view shows revenue density by country; the table view exposes per-country totals. **Why our number may legitimately differ from the Viva Dashboard:** | Reason | Direction | Why | | ------------------------------- | ----------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------- | | **FX rate timing** | Small drift | Viva publishes daily FX; we use Viva's day-rate for the conversion. If you're comparing across periods that span FX-rate changes, totals can drift 1, 3%. | | **Country resolution fallback** | Either | Some transactions have no billing country; we fall back to card-issuer country, Viva Dashboard may use a different fallback. | | **Time zone** | Boundary days off | Athens vs UTC. | **Cross-connector reconciliation:** | Comparison | Expected relationship | When divergence is legitimate | | -------------------------------------------------------- | --------------------------------- | ---------------------------------------------------------------------------------- | | `viva_revenue_by_country` ↔ commerce-platform geo report | Should match for Viva-paid orders | Commerce-platform aggregate covers all rails. | | `viva_revenue_by_country` ↔ Stripe revenue by country | Independent | Per-country split may differ by rail (Greek issuers favour Viva domestic routing). | ***
Documentation cross-reference (same archetype on other PSPs) * [`stripe.stripe_revenue_by_country`](/nerve-centre/kpi-cards/stripe/revenue-by-country)
## Known limitations / merchant FAQs **Why is "Unknown" not zero?** Some transactions arrive without billing country (guest checkout, certain wallet flows). We fall back to BIN-derived card country, which covers most. Residual "Unknown" is typically \<2%; if higher, your checkout is missing a billing address requirement. **Multi-currency settlement, does this card show native or EUR?** Default presentment is EUR (or your account's home currency). Hover any country row for the native amount. The FX is Viva's published daily rate. **Why is my UK-share lower than my Shopify UK-share?** UK customers paying with PayPal don't appear here. Sum [`paypal.pp_revenue_by_country`](/nerve-centre/kpi-cards/paypal/revenue-by-payer-country) UK + this card's UK + any Stripe UK to triangulate. **Greek customers paying with Greek-issued card vs non-Greek card?** Customer billing country is Greek (resolves to GR) regardless of card. Card-country only used when billing is missing. The mismatch view is [`viva_card_country_mismatch`](/nerve-centre/kpi-cards/viva-payments/card-vs-customer-country-mismatches). **Romanian customers paying in lei (RON), do they show in Romania row?** Yes, billing-country = RO; native amount = RON; presentment EUR-converted at day-rate. **Customer in Cyprus paying in EUR, vs Greek customer paying in EUR?** Both EUR-native. The country split is by billing country, not currency. Cyprus = CY row; Greece = GR row; both denominated EUR. **My country share moved 5pp, what to investigate?** Marketing campaign launched in that country, currency / FX shift made one country relatively cheaper, public holiday in home market, or a competitor outage in target market. Cross-reference [`viva_revenue_trend`](/nerve-centre/kpi-cards/viva-payments/revenue-over-time) for daily timing. **JP Morgan ownership impact?** None. *** ### Tracked live in Vortex IQ Nerve Centre *Revenue by Country* is one of hundreds of KPI pulses Vortex IQ tracks across Viva Payments and 70+ other ecommerce connectors. Nerve Centre runs the detection layer; Vortex Mind investigates the cause when something moves; Ask Viq lets you interrogate any number in plain English. [Start for free](https://app.vortexiq.ai/login) or [book a demo](https://www.vortexiq.ai/contact-us) to see this metric running on your own data.