Berlin, 9 October 2025 – Vivid Money today introduces card terminals that transfer payment revenue to business accounts in one second – ending multi-day settlement delays for small businesses. The launch extends Vivid Money's all-in-one platform from digital finance into in-person payments.
While card payments have become the default way customers pay, small businesses still wait 2-3 days for that money to actually arrive in their account. For companies, this delay ties up thousands of euros that could otherwise cover supplier invoices, staff wages, or unexpected expenses.
The costs add up beyond just waiting. Traditional card terminal providers typically charge €199 upfront for hardware, €19 monthly rental or service fees, and different transaction rates depending on the cardholder’s issuing country.
Vivid Money's approach: from 0.69% per transaction, no hardware costs, no monthly fees, and funds available in one second.
"We spoke with hundreds of our business customers, and the same frustration kept coming up: they can accept card payments easily enough, but then they wait days to actually use that money," says Alexander Emeshev, Co-Founder of Vivid Money. "For a mobile hairdresser who just earned €45, that money should be available immediately – not locked away for 48 hours."
While competitors advertise "instant" or "next-day" payouts – terms that can mean anything from minutes to 24 hours – Vivid Money's terminals deliver exactly what the promise suggests: funds arrive within one second of the transaction completing.
The terminal integrates directly into the Vivid Money Business account. Every card payment flows immediately into the same system that manages payments, invoicing, expense tracking, and tax preparation – eliminating the need to reconcile payments across multiple platforms.
"Most providers treat card payments as a standalone product that businesses have to manually sync with their accounting," Emeshev explains. "When a customer pays €50 at a café using our terminal, that transaction appears in the business account in one second, gets categorized as revenue, counts toward tax obligations, and shows up in cash flow reports – automatically, almost in real time."
The Vivid card terminal comes at no upfront cost, with simple pricing:
Each terminal arrives fully equipped with a pre-installed SIM card, charging device, and receipt printer paper – ready to accept payments immediately. Perfect for mobile professionals like craftsmen, personal trainers, or consultants who need to accept payments at client locations.
The Vivid card terminals are available now to all Vivid Money Business customers in Germany. Full details: https://vivid.money/business/terminals/