MB WAY is Portugal’s leading mobile payment method, with more than 6 million active users and support from nearly all Portuguese banks.
Through its mobile app, users 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
Countries Portugal (PT)
Currencies Euro (EUR)
Min amount 1 EUR
Max amount 5,000 EUR
Recurring Yes
Refund Yes
Partial refunds Yes
Multiple partial refunds No
Chargeback No
Principle of operation
MB WAY supports payment flows:
- One-time 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.
- 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.
- 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.
- 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, a logo ≥ 300 × 300 px, and monthly limits, minimum and maximum values, for customer spending on their site for 1-click and subscription payments separately.