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About

Multibanco is a popular payment method in Portugal that has been around since 1985. It works by generating a reference code at checkout, which allows users to pay via online banking or at a physical ATM within 7 days.
RegionPortugal
CurrenciesEUR
RefundsNo
DisputesUsers authenticate directly with their bank, so there is no dispute process and a low risk of unrecognized or fraudulent payments
PreauthorizationNo
Recurring paymentsNo

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How it works

  • On your app or website, the user selects Multibanco as the payment method during checkout
  • The user is redirected to the Multibanco payment page RedirectURL where they are shown a payment reference
  • The user indicates that they have downloaded or noted the reference, before being returned to your app or website (on ReturnURL)
  • Within 7 days, and by entering the reference, the user pays via bank wire from their online banking, or at an ATM cash machine (by selecting Payment and other services > Payment for services/Buy)
The user has 7 days to pay. The transaction is complete when the pay-in status changes from CREATED to SUCCEEDED or FAILED, indicating the outcome. You should also set up hook notifications for the relevant event types:
  • PAYIN_NORMAL_SUCCEEDED
  • PAYIN_NORMAL_FAILED

Endpoint

The Multibanco PayIn object

Testing

Learn about testing Multibanco