Viva.com has signed a contract with the Treasury of the Republic of Cyprus to process electronic payments for the country's public sector.
Under the agreement, the Greece-based company will set up a payments infrastructure covering electronic payments made by citizens and businesses to the state, including direct taxes, vehicle licence renewals, and social insurance contributions. The total managed payment volume under the contract is expected to exceed EUR 1.5 billion annually.
Infrastructure and technology
According to the official press release, Viva.com will provide the Cypriot state with a multi-channel electronic transaction processing infrastructure that combines card and A2A payments. The company will act as the processing engine behind Cyprus's Payment Gateway (PGW), which operates via the Gov.cy platform, centralising electronic payments so that citizens can settle obligations to government departments and services through a single platform.
Viva.com will manage online transactions through its Smart Checkout payment solution and will be responsible for the procurement, installation, and maintenance of physical card-acceptance (POS) terminals using its Tap on Any Device technology across Cyprus's public services.
The company describes itself as a pan-European banking infrastructure provider combining payments, banking, and financing, and operates across 31 European countries. The Cyprus contract extends this infrastructure to the public sector, adding to the company's existing presence serving businesses across the region.
Wider EU activity
The Cyprus agreement follows Viva.com's selection in July 2026 by the European Commission's Directorate-General for Taxation and Customs Union (DG TAXUD), in partnership with European Dynamics, an eGovernment and digital transformation company. Under that agreement, Viva.com will build and operate the central payment platform for the EU's Carbon Border Adjustment Mechanism (CBAM), a carbon pricing initiative covering all 27 EU member states, from 2027.
Together, the two agreements point to Viva.com's growing role in public-sector payment infrastructure at both a national and an EU level. Harry Xenophontos, Chief Business Officer, Viva.com, said the contract is expected to give citizens more payment options while reducing the state's cost of processing electronic transactions.
For the Cypriot state, the contract represents a shift toward a centralised, multi-channel payment model for government-related transactions, replacing what was previously handled through separate channels for taxes, licences, and social contributions. The move follows a broader trend among European public administrations to consolidate payment acceptance under a single digital gateway, aligning citizen-facing services with methods already common in commercial payments, such as card and A2A transfers.
