Every table payment, up to 1.95% cheaper
IRIS costs 0.60% vs 1.69–2.19% for cards. On a busy venue, that's thousands of euros a year — see for yourself.
Estimated savings per year
545–795 €
IRIS 0.60% vs card 1.69–2.19% (indicative Viva fees). Money that stays in your pocket.
All the ways guests pay
You switch each method on/off — Estia never touches the money.
IRIS
Instant bank payment — mandatory for businesses since 1/11/2025 and the cheapest rail: 0.60% (indicative).
Card
Visa/Mastercard via Viva Smart Checkout, with your own account — money lands directly with you.
Apple / Google Pay
Wallet payments with one tap, from the guest's phone at the table.
Cash / at the till
The guest can always choose to pay at the end — you decide which options are on.
Common questions
Does Estia take a cut of my payments?
No. 0% Estia commission — payments run on your own Viva account with your own keys. You pay only the provider's fees.
How does pay-at-table work?
The guest asks for the bill from their phone and pays via IRIS/card/wallet on the spot (Full plan) — or simply alerts staff and pays as usual.
Can the guest choose when to pay?
Yes — you can let each guest choose: pay online now, or at the end at the table.
What about tips?
Digital tipping via IRIS is built in — one more reason waiters love it.
Fees shown are indicative provider fees (7/2026) — always confirm current pricing with your provider.