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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

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.

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.