Payment Method Properties


Available country codes	PT
Processing (Presentation) currencies	EUR
Settlement currencies	EUR
Consumer currencies	EUR
Channel member tag	multibanco
Scheme name in the settlement file	Multibanco
Minimum transaction amount	No limit
Maximum transaction amount	EUR 99,999
Session timeout	7 days
Refund	No
Refund Validity	N/A
Chargeback	No
Integration Type	Asynchronous
Sandbox	PPRO-hosted

Transaction Flow

Online Banking

Pay at ATM

The consumer selects Multibanco on the merchant checkout page.
The merchant redirects the consumer to the PPRO bank selector page.
PPRO loads the page with references and instructions.
The consumer chooses one of the following options:
1. Online Banking
2. Pay at Multibanco ATM
If the consumer selects the online banking options, they provide the login details.
The consumer is redirected to the bank to provide the supplier id, reference, and amount to Multibanco.
Multibanco confirms the details, and the consumer is asked to authorize the payment.
If the consumer selects the Multibanco ATM option, they enter the Card/PIN details.
The consumer provides the supplier ID, reference, and amount. The authorization is complete.
The bank sends a confirmation to Multibanco.
Multibanco sends a confirmation to PPRO PPRO sends a confirmation to the merchant.
The merchant confirms the successful payment to the consumer.

Multibanco Integration

Specific input parameters for the TRANSACTION call

There are no specific input parameters for the TRANSACTION call.

For standard input parameters, see Input parameters for the TRANSACTION call.

Specific output parameters for the TRANSACTION call

Field Name	Type	Description
`SPECOUT.MULTIBANCOPAYMENTREFERENCE`	ascii	Contains the payment reference of the transaction. Can be used to build your own payment slip.
`SPECOUT.MULTIBANCOSERVICESUPPLIERID`	ascii	Contains the entity reference of the transaction. Can be used to build your own payment slip.
`SPECOUT.REDIRECTOPTIONAL`	ascii	Set to 1. See also the well-known specout parameters.
`SPECOUT.SRCCOUNTRY`	ascii	See the well-known specout parameters
`SPECOUT.TERMINALADDRESSLOCATION`	ascii	Location of the ATM used to pay the transaction
`SPECOUT.TERMINALIDENTIFICATION`	ascii	Identifier of the ATM used to pay the transaction
`SPECOUT.WAITFORNOTIFICATION`	ascii	Set to 1. See also the well-known specout parameters.

See Well-known SPECOUT parameters for details of the general specific output parameters.

For standard output parameters, see Output parameters for the TRANSACTION call.

TRANSACTION call input

tag=multibanco
&txtype=TRANSACTION
&countrycode=PT
&currency=EUR
&amount=1055
&merchanttxid=JKJhPbQQyYq9
&login=johndoe
&password=wXBrpVporFVjGO4R
&contractid=JOHNDOECONTRACT
&channel=channelname
&merchantredirecturl=https://merchant.com/work/ppro2/landing.php
&notificationurl=https://merchant.com/work/ppro2/notification.php
&specin.dynamicdescriptor=DynDescriptor
&accountholdername=John Doe
&returnmode=urlencodeext

TRANSACTION call output

REQUESTSTATUS=SUCCEEDED
&STATUS=SUCCEEDED
&MERCHANTTXID=JKJhPbQQyYq9
&FUNDSSTATUS=NOT_EXPECTED
&RAND907728218=490ef344134200d991d13f992e65e3d0941c5435
&FLAGS=
&TXID=622261966
&ERRMSG=
&CHANNEL=testchannel
&TAG=multibanco
&REDIRECTSECRET=WAiUGCNGdBdzYI4OIr2jh611D37PsT3U
&SPECOUT.MULTIBANCOPAYMENTREFERENCE=999999964
&SPECOUT.MULTIBANCOSERVICESUPPLIERID=11854
&SPECOUT.REDIRECTOPTIONAL=1
&SPECOUT.SRCCOUNTRY=PT
&SPECOUT.TERMINALADDRESSLOCATION=TESTBANK
&SPECOUT.TERMINALIDENTIFICATION=0000001235
&SPECOUT.WAITFORNOTIFICATION=1

FAQ

How can a merchant handle refunds for Multibanco?

The only option is to collect the consumer's IBAN separately and issue a SEPA Credit Transfer via SEPA Payout. Multibanco itself doesn't offer a refund functionality and doesn't emit a consumer's IBAN to PPRO.