We are currently in the pilot phase for this product in Portugal.

If you are interested in participating in the next stage of our pilot, email [email protected]

Multibanco is a payment method in Portugal that allows the customer to complete payment through home banking, service payments, or on the ATM Network.

Payment methodsMastercard, Visa, Visa Electron, or Multibanco card.
Payment pagesYes (current version only)
Payment componentsYes
RefundsYes: Full and partial

Payment flow

This diagram shows the flow for a successful transaction. Click to magnify.

MBWAY payment flow

Payment statuses

The table below sets out the order status and transaction status for payments and refunds.

DescriptionOrder statusTransaction status
The customer has initiated a transaction. You can no longer cancel.InitializedInitialized
The customer has completed the payment using the reference number.CompletedUncleared
The transaction is settled.CompletedCompleted
The customer didn't complete payment within 72 hours.ExpiredExpired
The reference number used is invalid.DeclinedDeclined
Refunds: Refund reserved.ReservedReserved
Refunds: Refund complete.CompletedCompleted
Refunds: Refund declined.DeclinedDeclined


  1. Sign in to your MultiSafepay dashboard .
  2. To activate the payment method for:
  • All sites, go to Settings > Payment methods.
  • A specific site, go to Sites, and then click the relevant site.
  1. Select the checkbox for the payment method, and then click Save changes.

💬 Support: If the payment method isn't visible in your dashboard, email [email protected]



  • See API reference – Create order > Banking order.

    Example requests

    For example requests, on the Create order page, in the black sandbox, see Examples > Multibanco direct/redirect.
    Set gateway to MULTIBANCO, and type to direct or redirect.

  • For direct orders, you must provide the customer with payment instructions to proceed with the payment.

  • Transactions expire after 72 hours.

User guides

Amount limits

  • Minimum order amount: 1 EUR
  • Maximum order amount: 99.999,99 EUR


You can no longer cancel a transaction after the status changes to Initialized.

Payment instructions

Email the customer the following payment details to include when completing the payments.


You can process refunds in your dashboard.

The customer must provide you with their IBAN to process refunds via bank transfer.



Email [email protected]

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