Multibanco is the most used and versatile payment system in Portugal, covering more than 90% of the market. It allows transactions both across its extensive ATM network and online. If you’re looking to expand your business into the Portuguese market, integrating Multibanco as a payment method is essential.
The preferred payment method in Portugal
Accept Multibanco payments in your e-commerce
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Accept Multibanco payments in your business
What is Multibanco?
If you plan to expand into Portugal, accepting Multibanco payments is a must. It’s the country’s most used method and covers over 90% of the market. Multibanco is an interbank network connecting the ATMs of 27 Portuguese banks. It has over 14,000 ATMs nationwide, allowing users to make transactions anytime, anywhere.
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The payment network Portuguese consumers trust
Online payments with Multibanco
Customers generate a unique reference on the online store and pay it via online banking or at an ATM.
Offline payments with Multibanco
Your customers can also complete the purchase at any of Portugal’s 14,000+ ATMs. They have up to 7 days to make the payment — offering maximum flexibility and convenience.
How do payments with Multibanco work?
Customers can pay online or via ATMs for a wide range of transactions — from online purchases to utility bills, taxes, fines, or mobile top-ups.
Select Multibanco as payment method
Once items are in the cart, choose Multibanco at checkout.
Payment authorization
You receive payment details and the customer logs into their online banking or goes to an ATM to complete the transfer.
Payment confirmation
Once payment is completed, the merchant receives the confirmation and processes the order (at the ATM the customer gets a receipt).
Why accept payments with Multibanco?
1. Versatility
Enables online payments, bill payments and more via ATMs, online banking and mobile devices.
2. Security
Transactions are protected by PIN, two-factor authentication and other security mechanisms.
3. Availability
Huge national ATM network and broad merchant acceptance across Portugal.
Frequently Asked Questions
What is Multibanco and how does it work?
Multibanco is Portugal’s most used payment system online and via ATMs. It lets customers generate a payment reference in your e-commerce and complete it through their online banking or any Portuguese ATM.
How does the payment flow for the customer work?
The customer selects Multibanco at checkout, receives a reference (entity, number and amount), and has up to 7 days to pay it at an ATM or via banking app.
What cards can I use with Multibanco?
You can accept Portuguese-issued debit and credit cards — making it ideal for local customers. Foreign cards may not always be supported.
Where is Multibanco available?
Only in Portugal, for both online payments and ATM cash/transfer transactions.
What are the benefits of Multibanco for merchants?
Access to Portuguese customers who favour this method, secure payments (bank-confirmed, no chargebacks), flexibility (online + 14,000+ ATMs), and easy integration via PaynoPain.
How long do customers have to complete a Multibanco payment and what happens if they don’t?
Customers generally have up to 7 days to pay the reference; if they don’t, the order remains pending or can be canceled.
Is an app required to pay with Multibanco?
No — customers can pay via their online banking or at any ATM, without installing an extra app.
How long do I have to issue a refund?
You can issue a refund anytime after payment through your PaynoPain panel; the amount will show in the customer’s bank account in 1-5 business days (depending on the bank).