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Multibanco is Portugal’s most popular payment method. With Multibanco, your shoppers can place orders online and pay for them later with cash at one of more than 13,000 participating ATMs across Portugal.

Multibanco provides a secure alternative to online payment, as no banking information is required at checkout. Since transactions are paid in cash, there is no risk of chargebacks.

 

How It Works

Once you’ve connected Multibanco with Checkout.com, shoppers meeting the requirements will see it as an available payment option at checkout.

Multibanco on the checkout page

Upon proceeding with the order, the shopper will be redirected to the Multibanco payment page, where they can confirm the amount owed and print their payment voucher.

The Multibanco payment page

After the order is placed, it will appear in your control panel as Multibanco (via Checkout.com) in the Payment Method field, with a status of Awaiting Payment.

An order placed with Multibanco

When the shopper has taken their voucher to a participating ATM and paid the balance, the order status will automatically update to Awaiting Fulfillment, indicating that funds have been captured and the order can be fulfilled.

If the shopper’s payment voucher expires, the order status will automatically update to Declined instead to indicate that you should not fulfill the order.

 

Requirements and Limitations

  • Your store must meet the following criteria:
    • Your store must be located in the EU or the UK.
    • You must have EUR as an available transactional currency.
    • Your store must use Optimized One-Page Checkout.
  • Shopper Requirements
    • Shoppers must use an address in Portugal at checkout.
    • Shoppers must have EUR selected as their transaction currency.
  • Limitations
    • Manual capture is not supported, as the capture status is updated automatically when the shopper pays the balance.
    • Funds are not captured on the same day.
    • Transactions must be voided from your Checkout.com dashboard.
    • Refunds cannot be completed within the BigCommerce control panel. For more information on how to refund Multibanco transactions, see our FAQ.
 

Supported Gateways

Checkout.com

See Connecting with Checkout.com for documentation on features, requirements, and setup.

  • Additional Setup
    • Contact your Checkout.com Customer Success Manager or reach out to Checkout.com Support to enable Multibanco on your Checkout.com account.
    • Toggle Enable Multibanco in Checkout.com Settings within your BigCommerce control panel.

Nexi XPay

See Connecting with Nexi XPay for documentation on features, requirements, and setup.

  • Additional Setup
    • You must request Multibanco to be added to your Nexi XPay merchant account. To request Multibanco, complete this contract and return it to PPRO, Nexi's Partner.
    • You must enable Multibanco in your Nexi merchant account under the Alternative Payments menu with the ID you received from PPRO.
  • Limitations
    • Refunds are possible only after funds have been received and the transaction has the Accounted status in your merchant account.
 

FAQ

How do I refund a transaction using Multibanco?

You must contact the shopper and organize the refund outside of Multibanco, such as through a direct payout to the shopper's card or through bank transfer.

Can shoppers use the MB WAY mobile app to pay their Multibanco vouchers?

This is not supported with our Multibanco integration. However, the MB WAY payment method allows shoppers to pay for their orders from the mobile app.

 

Additional Resources