VivaWallet API Integration in Wix

This extensive manual shows how to incorporate Viva Wallet into your Wix website, offering an in-depth look at its advantages, configuration prerequisites, and the step-by-step instructions required to enable smooth and secure online payments. By integrating Viva Wallet, merchants can deliver a more streamlined checkout process. This setup not only simplifies transaction management but also enhances the security and versatility of payment handling. Let’s discover how merging Viva Wallet with Wix can elevate your e-commerce operations.

Benefits of Integrating Viva Wallet with Wix

Integrating Viva Wallet with your Wix website brings a multitude of benefits for businesses aiming to optimize their online transactions and financial management. Consider these key advantages:

• Effortless Payment Handling: Viva Wallet facilitates efficient and secure transaction processing directly on your Wix site. This integration provides a fluid checkout journey for customers, minimizes cart abandonment, and improves overall user satisfaction.

• Multi-Currency Acceptance: Viva Wallet enables businesses to process payments in several currencies, making it an excellent choice for Wix sites with an international focus. This feature broadens your customer base by offering flexible payment options.

• Reduced Transaction Costs: With competitive fee structures compared to other gateways, Viva Wallet can help lower per-transaction costs, which is especially beneficial for small and medium-sized enterprises looking to enhance their profit margins.

• Advanced Security Measures: Renowned for its robust security protocols, Viva Wallet complies with PCI DSS standards, ensuring that every transaction is secure and that customer data is well-protected—critical for sustaining customer trust.

• Direct Banking Integrations: Viva Wallet’s direct bank integrations lead to faster settlements and improved cash flow management, which is particularly useful for businesses needing rapid access to funds.

• Mobile Payment Support: Fully optimized for mobile, Viva Wallet supports payments via its app and technologies such as NFC, accommodating the rising trend in mobile commerce.

• Comprehensive Financial Oversight: The integration provides businesses with powerful financial management tools, including detailed analytics and reporting to track sales trends and manage transactions efficiently.

• Simple Integration Process: Designed with ease-of-use in mind, Viva Wallet integrates seamlessly with Wix, allowing businesses to set up and start processing payments without the need for extensive technical know-how.

Overall, combining Viva Wallet with a Wix site can significantly upgrade your e-commerce functionality by offering a more efficient, secure, and user-friendly payment system.

Understanding Viva Wallet

What is Viva Wallet?

Viva Wallet is a cloud-based payment service provider from Europe that offers a wide range of financial solutions tailored specifically for businesses. Acting as both a digital wallet and a payment gateway, it facilitates online transactions for thousands of merchants across diverse industries. Viva Wallet aims to modernize conventional payment methods by offering an integrated, tech-driven solution that guarantees smooth and secure transactions. With a focus on innovation and enhanced user experience, it meets the demands of today’s online businesses by supporting transactions across various channels including web, mobile, and physical retail.

Key Features of Viva Wallet

Viva Wallet boasts an impressive suite of features designed for the dynamic needs of modern e-commerce. Its multi-currency support allows merchants to accept payments in different currencies without incurring extra fees. The platform’s real-time transaction processing ensures that payments are quickly reflected in your account, thus improving cash flow management. Security is a top priority—with advanced encryption methods and strict PCI-DSS compliance safeguarding both merchant and customer data. Moreover, its seamless integration capabilities make it compatible with various e-commerce platforms, Wix included.

Why Choose Viva Wallet for Your Wix Store?

Opting for Viva Wallet as the payment gateway for your Wix store is a strategic choice that offers several distinct advantages:

• Integrated Payment Solutions: Built to work directly with the Wix platform, Viva Wallet offers a unified checkout experience without redirecting customers to external pages.

• Diverse Payment Options: Supporting methods such as credit cards, debit cards, and direct bank transfers, it caters to a wide range of customer preferences.

• Multi-Currency Flexibility: For businesses with a global reach, Viva Wallet’s ability to process multiple currencies enables customers to pay in their local currency, enhancing the shopping experience and potentially boosting international sales.

• Heightened Security and Compliance: Adhering to rigorous security standards like PCI DSS, Viva Wallet ensures every transaction is secure, building customer confidence.

• Cost-Effective Fees: Its competitive transaction fees can reduce operational expenses, making it a cost-effective option compared to other payment gateways.

• Real-Time Reporting: The provision of immediate analytics and reporting assists in monitoring sales performance and understanding customer behavior for better decision-making.

• User-Friendly Setup and Management: With straightforward setup instructions available on both the Viva Wallet and Wix platforms, managing transactions, refunds, and disputes becomes hassle-free through its intuitive dashboard.

By choosing Viva Wallet for your Wix store, you not only secure an efficient and reliable payment method but also position your business to expand globally with robust features and competitive pricing.

Prerequisites for Integrating Viva Wallet with Wix

Before you begin integrating Viva Wallet with your Wix website, ensure you have the following in place:

• Viva Wallet Account:

  • An active Viva Wallet merchant account.

  • Your account must be verified and approved to process online payments.

• Website Requirements:

  • A live Wix website operating on a premium Business & eCommerce plan.

  • Compliance with Viva Wallet’s Acceptable Use Policy is required.

• Technical Integration Requirements:

API Credentials:

• Merchant ID

• API Key (available on your Viva Wallet account dashboard)

Client ID and Client Secret (if needed by your integration method)

• Compliance and Legal Standards:

  • Your website should clearly display Terms & Conditions, a Privacy Policy, a Refund and Returns Policy, and contact details.

  • An SSL Certificate is provided automatically by Wix.

• Currency and Localization:

  • Verify that Viva Wallet supports the currencies you plan to accept on your Wix site.

• Integration Process:

  • Install the Viva Wallet integration via the Wix Payment Providers section by navigating to: Wix Dashboard → Settings → Accept Payments → Search “Viva Wallet” → Connect.

  • Follow the prompts to authorize the integration using your Viva Wallet credentials.

• Testing and Validation:

  • Execute test transactions (using sandbox mode if available) to confirm that the integration and payment processing are functioning as expected.

Once these prerequisites are fulfilled, the integration process is straightforward and can be completed using Wix’s user-friendly interface.

Step-by-Step Guide to Integrate Viva Wallet with Wix

Step 1: Create a Viva Wallet Account & Retrieve API Credentials

• Sign up or log in to your Viva Wallet account.

• Navigate to Settings > API Access.

• Generate and copy your Client ID and Client Secret for authentication.

• Retrieve your Merchant ID from the Viva Wallet dashboard.

Step 2: Activate Payment Methods in Viva Wallet

• Go to Settings > Payment Methods.

• Enable card payments (e.g., Visa, Mastercard).

• Configure webhook URLs (which will be set up in Wix later).

Step 3: Configure Wix Velo Backend (Server-Side Code)

Open your Wix site, activate Velo (Dev Mode), and then navigate to the Backend section. Create a new JavaScript file named vivaWallet.jsw and insert the following code to handle Viva Wallet API authentication and payment initiation:

Step 4: Create a Frontend Payment Button

• Open the page editor on your Wix site.

• Add a button and label it #payButton.

• Insert a text input field for email and name it #emailInput.

• Open the Code Panel and add the following frontend code:

Step 5: Configure Webhooks in Viva Wallet

• Access your Viva Wallet Dashboard and navigate to Webhooks.

• Add a new webhook URL: https://yourwixdomain.com/_functions/orderWebhook

• Enable the Transaction Completed webhook.

Step 6: Test and Launch

• Publish your Wix site.

• Click the payment button to confirm it redirects to Viva Wallet.

• Complete a test transaction.

• Check your Wix database for records of successful payments.

Step 7: Transition to Production

• Update the BASE_URL from: https://demo-api.vivapayments.com to https://api.vivapayments.com

• Replace your Client ID, Client Secret, and Webhook URL with production details.

Customizing the Viva Wallet Checkout Experience

Setting up Custom Branding

To reinforce your brand identity, Viva Wallet lets you customize the checkout process to mirror your brand’s visual style. This includes adding your logo, modifying the color scheme, and integrating specific design elements that resonate with your brand. Such personalization not only elevates the checkout’s aesthetic appeal but also builds customer trust through familiar branding cues.

Enabling One-Click Payments for Returning Customers

Enhance the shopping experience further by activating one-click payments for returning customers. This feature securely saves payment information, enabling repeat buyers to complete future transactions with just a single click—speeding up the checkout process, boosting user convenience, and encouraging loyalty.

Localized Payment Options for Global Users

For businesses targeting an international audience, offering localized payment methods is essential. Viva Wallet supports a variety of regional payment options, allowing you to provide methods that are most relevant based on customer location. This localization simplifies the payment process for global customers and demonstrates your commitment to meeting diverse needs.

Troubleshooting Common Viva Wallet Integration Issues

Even with its popularity, integrating Viva Wallet can sometimes present challenges. Below are common issues and their recommended solutions:

1. Authentication & API Issues

Issue: API Credentials Not Working

Solution:

• Double-check that you’re using the correct Client ID and Client Secret from your Viva Wallet account.

• Ensure you are targeting the appropriate API endpoint (Live or Demo).

• Consider resetting the credentials and trying again.

Issue: Invalid Access Token

Solution:

• Confirm that the access token hasn’t expired (typically, tokens expire after 3600 seconds).

• Ensure the proper authentication flow (client_credentials for server-to-server communication) is in use.

• Generate a new access token if necessary.

2. Payment Processing Errors

Issue: Transaction Fails or Declines

Solution:

• Verify that the card type is supported by Viva Wallet.

• Check that the transaction amount is within your merchant limits.

• Ensure 3D Secure (3DS) authentication is enabled when required.

Issue: Error Code 400 – Bad Request

Solution:

• Make sure all required parameters are properly formatted.

• Confirm that you are sending valid JSON payloads.

• Validate mandatory fields like amount, currencyCode, and customerTrns.

Issue: Error Code 401 – Unauthorized

Solution:

• Ensure that the API key or OAuth token is correctly included in the request headers.

• Check that the token is valid and has not expired.

Issue: Error Code 403 – Forbidden

Solution:

• Verify that your API credentials have the necessary permissions.

• Confirm that you are using the correct API environment (Demo vs Live).

3. Webhook & Notification Issues

Issue: Webhook Not Triggering

Solution:

• Check the webhook URL settings in your Viva Wallet dashboard.

• Ensure the webhook endpoint is publicly accessible.

• Test the endpoint using tools like Postman or curl.

Issue: Webhook Events Not Received

Solution:

• Confirm that your server accepts POST requests.

• Review firewall settings that might block Viva Wallet’s IP addresses.

• Enable logging on your webhook handler for troubleshooting.

4. Checkout & UI Issues

Issue: Checkout Page Not Loading

Solution:

• Ensure that the integration script is correctly embedded on your site.

• Verify that JavaScript is enabled in the user’s browser.

• Inspect the browser console for error messages.

Issue: Card Fields Not Displaying

Solution:

• Confirm that the Viva Wallet Checkout SDK is properly initialized.

• Check if Content Security Policy (CSP) settings are interfering with Viva Wallet scripts.

5. Payout & Settlement Issues

Issue: Delayed Settlements

Solution:

• Review your payout schedule in the Viva Wallet account settings.

• Ensure all required KYC (Know Your Customer) verifications are complete.

Issue: Funds Not Deposited

Solution:

• Verify that the provided IBAN or bank details are correct.

• Check for any pending compliance requirements in your Viva Wallet dashboard.

6. Plugin & Third-Party Integration Issues

Issue: WooCommerce Plugin Not Functioning

Solution:

• Confirm that the plugin is updated to the latest version.

• Revalidate your API credentials and webhook configurations.

• Test the integration in the Viva Wallet demo environment.

Issue: Shopify Checkout Failing

Solution:

• Ensure that Viva Wallet is set as the primary payment gateway in your Shopify settings.

• Verify that the API integration settings within Shopify Payments are correct.

Ensuring Security and Compliance

Viva Wallet’s Security Protocols

Viva Wallet employs a robust set of security protocols to protect the integrity of transactions and customer data. This includes advanced encryption, routine security audits, and strict adherence to international standards. By using Viva Wallet, you can assure your customers that their payment information is handled securely, thereby enhancing trust in your business.

How Wix Ensures Data Protection

Wix implements strong data protection measures by utilizing encryption, secure server infrastructures, and compliance with privacy regulations like GDPR. These measures work hand-in-hand with payment gateways such as Viva Wallet to ensure that all customer data remains secure throughout the payment process.

PCI-DSS Compliance Best Practices

To maintain robust security and compliance, it is crucial to follow PCI-DSS best practices when integrating and managing payment systems like Viva Wallet. This includes keeping your network secure, protecting cardholder data, and implementing strict access control measures. Regularly reviewing and updating your security protocols will help address emerging vulnerabilities and ensure continued PCI-DSS compliance.

Alternative Payment Gateways for Wix

While Wix offers native payment solutions like Wix Payments, you may need alternative gateways based on your business needs and location. Here are some popular options:

1. PayPal: Supports various payment methods including PayPal Wallet, credit/debit cards, and Pay Later options.

2. Stripe: Widely used and supports recurring payments along with multiple currencies.

3. Square: Ideal for businesses that operate both online and in physical stores.

4. Authorize.net: Suitable for larger enterprises requiring advanced security features.

5. 2Checkout (now Verifone): Facilitates global transactions and supports multiple payment types.

6. Klarna: Enables customers to pay in installments.

7. Afterpay (Clearpay in the UK): Offers a Buy Now, Pay Later (BNPL) option.

8. Alipay & WeChat Pay: Popular options for customers in China.

9. Mollie: Excellent for European businesses with support for local payment methods.

10. Worldpay: A robust choice for businesses in the UK.

11. Braintree: A PayPal-owned solution that supports a variety of payment methods.

12. PagSeguro: A leading gateway for Brazilian merchants.

13. eWay: Favored by businesses in Australia and New Zealand.