Multibanco

Multibanco References are the Portuguese way of paying by reference. When you create a payment, SIBS issues a payment entity and reference for the exact amount. You show them to the customer, who pays later at any Multibanco ATM, in home banking or in a banking app. Payment can happen minutes or days later, up to the reference's expiry.

There is no hosted page and no browser redirection. The result of the payment is delivered by postback.

Available in	Networks	Currencies	Features	Integrations	payment_type
Portugal	Multibanco / SIBS	EUR	Payment Authorize Capture Refund Partial refund Recurring Reverse Register	Server-to-Server Checkout Page Pay by Link Payment Page Redirect	multibanco

Payment workflow

The following diagram explains the Multibanco payment workflow for the Server-to-Server integration.

Multibanco — Server-to-Server

Scroll horizontally if the diagram is wider than your screen.

1. 1
   Payer→Merchant (Acceptor)

   1. Chooses Multibanco at checkout

2. 2
   Merchant (Acceptor)→OneAPI

   2. Create payment (Payment API, payment_type multibanco)

3. 3
   OneAPI→SIBS (Multibanco)

   3. Generate a payment reference

4. 4
   OneAPI→Merchant (Acceptor)

   4. Response with status pending (2), entity, reference and expiry

5. 5
   Merchant (Acceptor)→Payer

   5. Shows entity, reference, amount and expiry

6. i
   Payer

   Pays later at an ATM, in home banking or in a banking app

7. 6
   Payer→SIBS (Multibanco)

   6. Pays the reference

8. 7
   SIBS (Multibanco)→OneAPI

   7. Payment notification

9. i
   OneAPI

   Status changes to completed (3). An unpaid reference becomes reversed (12) after it expires

10. 8
    OneAPI→Merchant (Acceptor)

    8. Postback — completed (3)

11. 9
    Merchant (Acceptor)→Payer

    9. Confirms the order

The transaction moves through the following statuses. The Status Code column is the transaction's status code:

Status	Status Code	When
pending	2	The reference was issued and is waiting to be paid
completed	3	The customer paid the reference
reversed	12	The reference expired without being paid
refunded	7	There are partial or full refunds for this payment
canceled	5	The reference was cancelled before it was paid (Reversal API)
error	4	SIBS could not issue the reference

note

pending means the reference exists, not that it has been paid. Do not ship the order until you receive the completed postback. The reversed postback for an unpaid reference is sent shortly after its expiry time. If SIBS still reports a payment for it afterwards, the transaction becomes completed and a postback is sent.

Integration options

Choose how you want to accept Multibanco:

Server-to-Server

Create the payment via the Payment API, receive the Multibanco entity and reference in the response, and show them to the customer in your checkout, e-mail or invoice.

Start integrating