MB WAY

MB WAY enhances digital payments in Portugal

MB WAY is Portugal’s leading mobile payment method, with a lot of millions active accounts and support from nearly all Portuguese banks.

Through its mobile app, account holders can make card-linked payments, P2P transfers, ATM withdrawals, and online purchases.

Its wide bank coverage and simple mobile-first experience make it one of the most trusted payment options in Portugal.

Payment type Wallet

Payment flow Direct / Redirect

Integration type API Reference / Payment Form / Payment Page / Payment Link

Countries Portugal (PT)

Currencies Euro (EUR)

Min amount 1 EUR

Max amount 5,000 EUR

Recurring Yes

Refund Yes

Only a single full or partial refund per order is supported. For any further reimbursement, the merchant must refund the customer directly outside of MB WAY.

Partial refunds Yes

Multiple partial refunds No

Chargeback No

Principle of operation

MB WAY supports payment flows:

Payment
A single transaction without storing payment data for future use.
Recurring 1-click payments (CIT)
Customer-initiated transactions using a stored payment token, enabling quick checkout without full authentication.
Recurring subscription payments (MIT)
Merchant-initiated transactions for scheduled subscription payments, automatically charged without customer interaction.

Payment

Selection at checkout
Choose MB WAY as the payment method at checkout and enters phone number.
Payment initiation
Merchant sends a payment request to MB WAY, including the customer's phone number.
Authentication and authorization
The payment request is processed, the merchant displays a processing preloader, and the customer receives a mobile notification for payment confirmation.
Payment confirmation
The customer confirms the payment in the MB WAY app using their PIN, after which the transaction is authenticated and finalized immediately.
Merchant notification
Merchant receives a notification confirming the payment status.

Recurring 1-click payments (CIT)

Selection at checkout
Choose MB WAY as the payment method at checkout and enters phone number.
Payment initiation
Merchant sends a payment request to MB WAY, including the customer's phone number.
Authentication and authorization
The payment request is processed, the merchant displays a processing preloader, and the customer receives a mobile notification for payment confirmation.
Payment confirmation
The customer confirms the mandate in the MB WAY app using their PIN and authorizes the merchant to store a payment token for future 1-click purchases without full reauthentication.
Merchant notification
Merchant receives a notification confirming the payment status and token for subsequent recurring payments.

Recurring subscription payments (MIT)

Selection at checkout
Choose MB WAY as the payment method at checkout and enters phone number.
Payment initiation
Merchant sends a payment request to MB WAY, including the customer's phone number.
Authentication and authorization
The payment request is processed, the merchant displays a processing preloader, and the customer receives a mobile notification for payment confirmation.
Payment confirmation
The customer confirms the mandate in the MB WAY app using their PIN, which authorizes the merchant to initiate future scheduled subscription payments (MIT) without further customer interaction.
Merchant notification
Merchant receives a notification confirming the payment status and token for subsequent recurring payments.

The merchant must provide the desired name on the bank statement, the terms and conditions of their product, and a logo ≥ 300 × 300 px. They must also specify monthly limits, minimum and maximum values, for customer spending on their site for 1-click and subscription payments separately.

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