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
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.