MB WAY

MB WAY is the leading e-wallet in Portugal, with over 3.5 million users as of May 2021. The user base continues to grow steadily each quarter, and now 50% of Portuguese bank customers are using MB WAY. Learn more.

Payment Method Properties

MarketsPT
Processing currenciesEUR
Consumer currenciesEUR
Settlement currenciesEUR
Minimum payment amount0.01 EUR
Maximum payment amount5,000.00 EUR
Recurring paymentsTo be checked
Separate capturesTo be checked
RefundFull - Partial - Multiple
Refund validity120 days
ChargebackYes
Sandbox availabilityPPRO provided

Make an MB WAY payment

To make an MB Way payment, you'll need to provide the following data when calling our /v1/payment-charges API:

Data FieldRequiredDescription
paymentMethodYMBWAY
amount.valueYThe amount to be paid in the smallest units of the currency used.
amount.currencyYEUR
consumer.nameYFull name of the consumer.
consumer.countryYThe country where the consumer is shopping
authenticationSettings: REDIRECT
settings.returnUrl
YSpecify the URL to which the consumer should be redirected after completing the payment.

Request

POST /v1/payment-charges

{
    "paymentMethod": "MBWAY",
    "amount": {
        "value": 1000,
        "currency": "EUR"
    },
    "consumer": {
        "name": "John Smith",
        "country": "PT"
    },
    "authenticationSettings": [
        {
            "type": "REDIRECT",
            "settings": {
                "returnUrl": "https://www.your-merchant-success-page.com/"
            }
        }
    ]
}

Response

You'll receive one of our standard payment charge responses (see potential responses in the API Reference)

{
    "merchantPaymentChargeReference": "{{$randomPassword}}",
    "paymentMethod": "MBWAY",
    "amount": {
        "value": 1,
        "currency": "EUR"
    },
    "paymentDescriptor": "Payment Descriptor",
    "consumer": {
        "name": "John Smith",
        "country": "PT",
        "email": "[email protected]",
        "billingAddress": {
            "firstName": "John",
            "lastName": "Smith",
            "phoneNumber": "01522113356",
            "street": "Hellersbergstraße 14",
            "postalCode": "41460",
            "city": "Berlin",
            "region": "Berlin",
            "country": "DE"
        }
    },
    "order": {
        "orderItems": [
            {
                "name": "Product Name 1",
                "quantity": 1,
                "amount": 100
            }
        ]
    },
    "authenticationSettings": [
        {
            "type": "REDIRECT",
            "settings": {
                "returnUrl": "https://www.ppro.com/"
            }
        }
    ]
}

Consumer Authentication

MB WAY requires authentication by the consumer, which they do via their bank's online environment. You will need to redirect their browser to MB WAY's payment page using the link provided in the requestUrl field of the REDIRECT authentication method response. On MBWay's payment page to choose their bank

The payment charge will remain in the AUTHENTICATION_PENDING state until the consumer logs into their bank and approves the payment. After this, the charge will transition to the CAPTURED state.

Handling the Payment Result

The consumer will be redirected to the authenticationMethods.settings.returnUrl provided in the initial payment charge creation request, depending on whether the authorization is a success, a failure, or if the user cancelled/aborted the flow.

If the consumer fails to authenticate the payment within the timeout window, the charge will transition to the DISCARDED state.

You can receive webhooks for all changes to the payment charge state and use these to build business logic such as delivering the goods when the charge is CAPTURED.