Viber Pay
“Can a messaging app become the default consumer wallet of Europe by embedding regulated payments directly inside chat?”
Founded2010
HQLuxembourg / Sofia, Bulgaria (Viber Media Bulgaria Ltd)
Latest roundAcquired by Rakuten (2014, ~$900M)
IndustryFintech / Consumer banking
The story
Viber began as a free messaging app, was acquired by Rakuten in 2014, and has since pursued a 'super app' strategy. Viber Pay — the embedded peer-to-peer payments and e-money product — is the centerpiece of that pivot. Originally launched on Rapyd, in November 2025 Viber Pay migrated its 1M+ European users to Paynetics, an EU-licensed EMI, and added Visa virtual debit cards, signaling a deeper push into consumer financial services inside the messenger.
Product timeline
2010
Viber messaging app launched· pivot
2014
Acquired by Rakuten for ~$900M· acquisition
2017
Launched Secret Chats feature· pivot
2022
Viber Pay launched in Europe on Rapyd infrastructure· banking
2025
Viber Pay migrates from Rapyd to Paynetics across 7 EU markets; adds Visa virtual debit cards; passes 1M wallets· banking
Same company
Viber Pay was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
5 layers disclosed in Viber Pay’s embedded-finance stack
Payments / PSP
PayneticsViber Pay (self-operated interface)
Banking / BaaS
in the full report
Card issuing
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Accounting gap: none
5 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.