This payment method is exclusively dedicated to transactions in Portugal. An essential part of the Portuguese payment landscape, Multibanco allows customers to pay securely via ATMs or Online Banking using a generated payment reference.
PRESENTATION
| Brand | Multibanco |
|---|---|
| Payment Flow | Reference / Push Payment |
| Integration | Hosted Payments / Hosted Page / Order API |
| Product Code | multibanco |
| Country | Portugal |
| Currency | EUR |
| Minimum amount | 1.00 |
| Maximum amount | Dependent on user bank limits (typically high) |
| 3DS | No |
| Refund / Partial refund | No (Requires manual bank transfer) |
Multibanco is an interbank network in Portugal. It allows online shoppers to pay for their purchases by generating a unique reference (Entity, Reference, Amount) which can be paid at any Multibanco ATM or via the customer's home banking application.
ESSENTIAL INFORMATION
POPULARITY AND AVAILABILITY
Multibanco is the leading payment method in Portugal. It is trusted by virtually all Portuguese consumers due to its ubiquity and the fact that no credit card details are shared online.
PAYMENT PROCESS
Unlike card payments, Multibanco is a "push" payment. The merchant provides payment details (Entity, Reference, and Amount). The customer then uses these details to initiate the transfer from their bank account via ATM or App.
SECURITY
Multibanco is highly secure as it eliminates the risk of fraud associated with sharing card details online. The transaction is authenticated directly by the customer through their banking portal or ATM PIN.
COMPATIBILITY
Since the payment is finalized off-site (ATM or Banking App), it is fully compatible with all browsers and mobile devices. The reference is simply displayed on the screen or sent via email.
CONFIGURATION AND COMPLIANCE
Transactions must be in EUR. Ensure your HiPay account is configured to accept Portuguese transactions. The generated references typically have a validity period that can be configured. For more details, please visit the Payment Method Requirements.
USE CASES
Ideal for B2C and B2B transactions in Portugal, especially for customers who do not possess a credit card or prefer not to use one online.
USER EXPERIENCE
The user experience is asynchronous. The customer places the order, receives the payment coordinates, and the order remains in a "Pending" status until the payment is actually performed at the bank/ATM and confirmed to HiPay.
INTEGRATION
INTEGRATION METHODS
| Method | Description |
|---|---|
| Hosted Payments | Managed via HiPay's Hosted Payments solution. |
| Hosted Page | Uses a pre-designed payment page displaying the reference. |
| Order API | Enables direct creation of the reference to display custom UI. |
USER EXPERIENCE
- The customer selects Multibanco on the merchant site.
-
The system generates and displays the payment details:
Entity (Entidade), Reference (Referência), and Amount (Montante). - The customer leaves the site or opens their banking app/goes to an ATM.
- The customer enters the payment details and confirms the transaction.
- HiPay receives the funds and sends a notification to the merchant to validate the order.
ORDER API INTEGRATION
MANDATORY PARAMETERS
| Parameter | Description / Example |
|---|---|
payment_product |
multibanco |
orderid |
Unique identifier (e.g., ORDER_1583157210) |
description |
Brief description (e.g., Summer Sale) |
amount |
Total amount (e.g., 45.50) |
currency |
ISO 4217 code (EUR) |
firstname |
Customer's first name |
lastname |
Customer's last name |
SPECIFIC INPUT PARAMETERS (OPTIONAL BUT RECOMMENDED)
| Parameter | Description |
|---|---|
email |
Customer's email address (to send the reference) |
country |
Customer's country (must be PT) |
SPECIFIC OUTPUT PARAMETERS
| Parameter | Description |
|---|---|
forward_url |
URL to a hosted page displaying the Entity and Reference for the customer to pay. |
ENDPOINTS
| Environment | URL |
|---|---|
| Stage | https://stage-secure-gateway.hipay-tpp.com/rest/v1/order |
| Production | https://secure-gateway.hipay-tpp.com/rest/v1/order |
NOTE: Ensure that your HiPay account is enabled for Multibanco. The payment confirmation is not real-time in the browser but occurs via server-to-server notification once the user pays at the ATM.
MULTIBANCO SAMPLE REQUEST
curl --location 'https://stage-secure-gateway.hipay-tpp.com/rest/v1/order' \ --header 'Content-Type: application/x-www-form-urlencode' \ --header 'Authorization:******' \ --form 'payment_product="multibanco"' \ --form 'orderid="1742309000"' \ --form 'description="Order #12345"' \ --form 'amount="25.00"' \ --form 'currency="EUR"' \ --form 'firstname="Joao"' \ --form 'lastname="SILVA"' \ --form 'email="[email protected]"' \ --form 'streetaddress="Av. da Liberdade"' \ --form 'city="Lisboa"' \ --form 'zipcode="1250-001"'\ --form 'country="PT"'