Multibanco
Accept Multibanco bank reference payments in Portugal with voucher-based checkout redeemable at ATMs, banks, and home banking
Payment typeCash payment
Payment flowDirect
Checkout
| Integration type | API v1 |
Coverage
| Countries | Portugal (PT) |
| Currencies | Euro (EUR) |
| Min amount | 0.01 EUR |
| Max amount | Bank dependent |
Capabilities
| Recurring | No |
| Refund | Yes |
| Partial refunds | Yes |
| Multiple partial refunds | Yes |
| Chargeback | No |
Multibanco is Portugal's national bank reference payment network, operated by SIBS and integrated across all Portuguese banks. It is accessible at every ATM, Homebanking portal, and the MB WAY App, providing near-universal consumer reach and serving as the default payment rail for online and in-store commerce.
At checkout, the merchant generates a three-element voucher — Entity number, Reference number, and Amount — which the customer settles at an ATM, home banking portal, or MB WAY App. Payment references are valid for 24 hours by default and can be configured for up to 5 years.
Principle of operation
- Selection at checkout
Customer selects Multibanco as the payment method at checkout. - Reference generation
Merchant sends a payment request to Solidgate. Solidgate processes payment and immediately returns a Multibanco payment reference: Entity (Entidade), Reference (Referência), Amount, and Expiration date. No customer input is required at this step. - Reference display
Merchant displays the reference card to the customer. The customer now has until the expiration date to complete the payment. No redirect is required. - Payment
Customer pays the reference at any ATM, their bank's Homebanking portal, or the MB WAY App. Payment can occur anywhere from minutes to days after the reference is issued. - Merchant notification
Merchant receives a notification Webhook confirming the payment status.
Monitor alternative payment order statuses, handle async confirmation flows, and manage refunds with real-time lifecycle event tracking. status transitions to approved only after the customer completes payment. Until then, the order stays in processing . If the customer does not pay before the reference expires, the order is automatically declined and the merchant receives an expiration notification.
The merchant must display the following elements from the payment_type_data object in the
init-payment
API v1
response:
- Entity (Entidade)
Display as a 5-digit number, for example 24000 . - Reference (Referência)
Display as 9 digits grouped in threes, for example 256 309 828 . If a copy-to-clipboard feature is implemented, it must strip the spaces from the number. - Amount
Display in the PT locale format, for example 24,90 € . - Expiration
Display the absolute datetime and, if possible, a relative countdown timer.
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