Checkout
Coverage
| Countries | Portugal (PT) |
| Currencies | Euro (EUR) |
| Min amount | 0.01 EUR |
| Max amount | Bank dependent |
Capabilities
| Recurring | No |
| Refund | Yes |
| Partial refunds | Yes |
| Multiple partial refunds | Yes |
| Chargeback | No |
Principle of operation
One-time payment
- Selection at checkout
Customer selects Multibanco as the payment method at checkout.
- 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.
- 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.
- 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.
- 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.
