Multibanco
Multibanco is a popular payment method in Portugal, allowing users to pay for online purchases through their online banking or at ATMs. It's a post-pay system, meaning a reference number is generated during the transaction, and the consumer then uses that reference to complete the payment either through their bank's online portal or at an ATM. This method is known for its security and convenience within the Portuguese market. Learn more about Multibanco.
Payment method properties
Markets | PT |
Processing currencies | EUR |
Consumer currencies | EUR |
Settlement currencies | EUR |
Authentication methods | REDIRECT |
Authentication timeout | 7 days |
Minimum payment amount | 0.01 EUR |
Maximum payment amount | 99,999.00 EUR |
Payment instrument | PASSTHROUGH_WALLET |
Recurring payments | No |
Separate captures | No |
Refund | Full - Partial - Multiple |
Refund validity | 15 months |
Disputes | Yes |
Sandbox availability | PPRO mock processor |
Make a Multibanco payment
Multibanco is available through our standardizedREDIRECT
flow. We recommend including all relevant settings for any authentication methods you support.
To create a multibanco payment, you'll need to provide the following data at minimum when calling our payment charges API:
Field | Description |
---|---|
paymentMethod | MULTIBANCO |
amount.value | The amount to be paid in the smallest units of the currency used. |
amount.currency | EUR |
consumer.country | The country where the consumer is shopping. |
authenticationSettings: REDIRECT settings.returnUrl | Add the URL where the consumer should be redirected after they get the required details to complete the payment. Required for theREDIRECT flow. |
Request
POST /v1/payment-charges
{
"paymentMethod": "MULTIBANCO",
"amount": {
"value": 1000,
"currency": "EUR"
},
"consumer": {
"country": "PT"
},
"authenticationSettings": [
{
"type": "REDIRECT",
"settings": {
"returnUrl": "https://www.webshop.com/order-results-page"
}
}
]
}
Response
You'll receive our standard payment charge response with the available authentication methods:
{
"id": "charge_Y3JVzvEaJpvG53xd2R2Zt",
"paymentMethod": "MULTIBANCO",
"paymentMedium": "ECOMMERCE",
"scheduleType": "UNSCHEDULED",
"instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
"currency": "EUR",
"country": "PT",
"status": "AUTHENTICATION_PENDING",
"consumer": {
"country": "PT"
},
"authenticationMethods": [
{
"details": {
"requestUrl": "https://redirection-target.ppro.com",
"requestMethod": "GET"
},
"type": "REDIRECT"
}
],
"authorizations": [
{
"id": "authz_aPobet0FNZNU1bYqfexFd",
"amount": 1000,
"status": "AUTHENTICATION_PENDING",
"createdAt": "2025-06-21T08:34:20.766Z",
"updatedAt": "2025-06-21T08:34:20.766Z"
}
],
"captures": [],
"refunds": [],
"voids": [],
"createdAt": "2025-06-21T08:34:20.114Z",
"updatedAt": "2025-06-21T08:34:20.766Z",
"_links": {
"authorizations": {
"href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/authorizations"
},
"captures": {
"href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/captures"
},
"refunds": {
"href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/refunds"
},
"voids": {
"href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
}
}
}
Pick the desired authentication method
REDIRECT
- Redirect your consumer to the returned
$.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl
.
For example, with the value ofhttps://redirection-target.ppro.com/
using the returned$.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod
HTTP method. - The consumer will be presented with the reference number and instructions to complete the payment.
Handling the payment result
REDIRECT
- After the consumer completes the payment, they are redirected to the
returnUrl
specified in the payment charge creation request. - Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned
status
field to determine and display the final payment outcome to the consumer. - Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.
Payment instrument
A PASSTHROUGH_WALLET
instrument will be created for Multibanco, with no additional data provided.
Request
GET /v1/payment-instruments/{instrument-id}
Response
{
"id": "instr_Asu0ig2PXXZSiNrhY44A5",
"type": "PASSTHROUGH_WALLET"
}
Updated about 4 hours ago