Multibank payments received through Pay.

Multibanco is the most widely used payment method in Portugal. Multibanco has a wide reach in Portugal, also because the payment method is a user-friendly way for Portuguese people to handle tax matters.

multibanco review

Must have

for Portugal

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How Multibanco Works

Multibanco is owned by SIBS (Sociedade Interbancária de Serviços S.A.) and is offered as a payment method through more than 11,000 ATMs. Besides withdrawing money, Multibanco also allows you to print bank statements online, pay bills, buy train tickets, recharge transportation tickets and even top up cell phone balance. By offering this complete payment method in your webshop, you will conquer the Portuguese market in no time!

  • The number one payment method in Portugal
  • For both cash payments and online internet banking

Why Multibanco?

Add Multibanco to your webshop.

The payment method in Portugal

Discover Multibanco
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Extensive network

Thanks to the extensive ATM network, wide coverage in Portugal.

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Versatile services

Payments, money transfers, prepaid mobile recharges and direct ATM purchases.

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User-friendly technology

Innovative and simple controls for a seamless experience.

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Reliability and convenience

Trusted service for fast financial transactions throughout Portugal.

Implementation

Instantly arrange all your online and in-store payments.

With the standard webshop plugins, you can easily and quickly link Multibanco to your webshop or online store.
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Register directly

Receive online and in-store payments as early as 15 minutes through the Pay. platform

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1-platform

All payment information on one platform: online, in-store and omnichannel

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Report

Maximum insight into your payment traffic through comprehensive reports

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Advantageous

Favorable rates per transaction

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QR code

Desktop purchases can also checkout with a QR code

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Prompt payment

Even faster payments through the online banking app

Multibanco & iDEAL

Multibanco is as indispensable for your Portuguese customers as iDEAL and Bancontact are for your Dutch and Belgian ones.

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Payment methods

An appropriate payment method for every region.

Discover local payment solutions perfectly suited to your market. With our payment methods you offer your customers familiar and easy ways to pay. This will increase the conversion of your webshop.

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Specifications

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  • Payment method

    Online banking

  • Channel

    Online

  • Available in

    • Portugal

  • Specifications

    • No risk, payments are 100% guaranteed

    • Familiar, well-known and high coverage

    • Provides instant visibility into payments

    • Both for your business and private customer

Blogs

The latest insights and trends

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FAQ

Frequently Asked Questions

Any more questions?

Get in touch

How do I integrate Multibanco as a payment method for my business?

Register with Pay. to integrate MultiBanco payments for your business. We take care of the rest, including registration, approval and activation.

What does a Multibanco transaction cost?

Transaction fees are detailed within our fee schedule. View all fees here.

You only pay for successful transactions.

Benefits Multibanco Implementing with Pay.

Integrating Multibanco as an online payment method through Pay. offers several advantages:

  • Cost savings: Our rates are competitive and more favorable than if you arrange integration through the bank.
  • Integrated payment methods: Conveniently bundle all your transactions in one view by integrating various payment methods through one connection.
  • Local support: Our dedicated support teams are located locally in each country and are ready to assist you. If you have any problems or additional questions about Multibanco payments, feel free to contact us.
  • Conversion-enhancing features: Take advantage of convenient features, such as a smart checkout, to increase the likelihood that your customers will convert.
  • Personalized dashboard: Effortlessly perform refunds or export transaction data to various file formats for your bookkeeper or accounting software with our easy-to-use dashboard.
  • Efficiency and speed: Linking Multibanco to your online store is smooth. Within ten minutes you can already be accepting Multibanco payments. Our powerful API ensures a seamless integration that can handle large transaction volumes.

With all these advantages, we are the fastest and easiest way to accept Multibanco payments.

How does Multibanco work?

Multibanco is a trusted payment method that your customers can safely use to pay in your webshop. Payments with Multibanco can be made in two ways:

  1. Through the checkout page of your webshop: your customer chooses Multibanco as the payment method during checkout. The details can easily be entered in the secure online Multibanco banking environment. The Multibanco page shows details of the purchase, including the specific item or service and the total amount of the purchase. By pressing the continue button, your customer authorizes the payment. After the authorization, you receive a payment confirmation and your customer's order can be shipped.
  2. Through an ATM: Another way to pay with Multibanco is by paying in cash at one of the 11,000 ATMs. After your customer makes the payment, you receive a payment confirmation and you can ship the purchase.

What is Multibanco's process?

Multibanco has two payment flows: your customers can pay via online internet banking or through an ATM.

Multibanco via online internet banking.

  1. Your customer chooses Multibanco as the payment method in the checkout of your webshop.
  2. The payment page provides your customer with an entity number, the reference of the purchase and the amount.
  3. Then your customer logs in via online banking and confirms the payment by agreeing to the known payment details.
  4. The customer has paid and you can prepare the purchase for shipment!

Multibank via an ATM.

  1. Your customer selects the "checkout with Multibanco" option at one of the 11,000 ATMs.
  2. Through the ATM, the customer receives the known payment information -and details.
  3. If approved, your customer confirms the transaction by paying.
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