Multibanco is Portugal’s national bank reference payment network, integrated across all Portuguese banks and accessible at every ATM, Homebanking portal, and the MB WAY App.

Multibanco is operated by SIBS, the interbank infrastructure that powers Portugal’s national payment system. It provides near-universal consumer reach in the Portuguese market and is the default payment rail for both online and in-store commerce.

At checkout, the merchant generates a three-element voucher Entity number, Reference number, and Amount. The customer settles the payment at an ATM, their bank’s home banking portal, or the MB WAY App.

Payment references are valid for 24 hours by default and can be configured to be valid for up to 5 years.

Payment type Cash payment

Payment flow Direct

Integration type API Reference

Countries Portugal (PT)

Currencies Euro (EUR)

Min amount 0.01 EUR

Max amount Depends on the issuer Bank

Recurring No

Refund Yes

Partial refunds Yes

Multiple partial refunds Yes

Chargeback No

Principle of operation

One-time payment
  1. Selection at checkout
    Customer selects Multibanco as the payment method at checkout.
  2. 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.
  3. 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.
  4. 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.
  5. Merchant notification
    Merchant receives a notification Webhook confirming the payment status.
Multibanco is an asynchronous payment method. The order 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 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.
Multibanco voucher example Multibanco voucher example