For Viva Wallet business debit card:
Interchange fee ranges from 0.5% - 1.8% and is subject to change:
Scheme fee = 0.15%
Service fee = 1.16%
Therefore, Viva Wallet card debit does not result in a lower fee, as the payment processing and payment method costs based on the Interchange ++ model, are common for cards from other credit institutions based on the criteria of scheme, customer/issuer billing, etc.