{"id":15742,"date":"2026-03-12T10:31:11","date_gmt":"2026-03-12T09:31:11","guid":{"rendered":"https:\/\/paynopain.com\/?p=15742"},"modified":"2026-03-12T10:31:12","modified_gmt":"2026-03-12T09:31:12","slug":"mb-way-payments-complete-guide","status":"publish","type":"post","link":"https:\/\/paynopain.com\/en\/blog\/mb-way-payments-complete-guide\/","title":{"rendered":"Payments with MB WAY: Everything you need to know"},"content":{"rendered":"

<\/span>What is MB WAY?<\/b><\/span><\/h2>\n

The favorite payment method of the Portuguese<\/b><\/h3>\n

MB WAY<\/b><\/a> is the most widely used mobile payment method in Portugal and one of the most strategic options for any ecommerce looking to sell in the country. It allows payments, instant transfers, and online purchases directly from the mobile phone and is operated by <\/span>SIBS<\/b> (Sociedade Interbanc\u00e1ria de Servi\u00e7os), the entity responsible for much of the country’s electronic payment infrastructure.<\/span><\/p>\n

Launched in 2015 as a digital extension of Multibanco, MB WAY evolved from transfers between individuals to a <\/span>complete wallet<\/b>. Today it has <\/span>over 6.5 million users<\/b> and is integrated into <\/span>more than 185,000 merchants, covering 94% of the country\u2019s issuing banks.<\/b><\/a><\/p>\n

For any company operating in or looking to expand into Portugal, <\/span>accepting MB WAY<\/b> is key to offering a payment experience adapted to local habits.<\/span><\/p>\n

<\/span>How do MB WAY payments work?<\/b><\/span><\/h2>\n

MB WAY works by <\/span>linking a mobile phone number to one or more bank cards within the app <\/b>(it allows storing up to eight cards). The user authorizes each transaction from their smartphone via authentication (PIN or biometrics), without needing to enter sensitive card details for each transaction.<\/span><\/p>\n

MB WAY payments in ecommerce<\/b><\/h3>\n
    \n
  1. The customer selects MB WAY as the payment method at checkout.<\/span><\/li>\n
  2. They enter their mobile phone number registered in the service account.<\/span><\/li>\n
  3. They receive a notification in the app.<\/span><\/li>\n
  4. They confirm the transaction by selecting the card and validating it through strong customer authentication (SCA).<\/span><\/li>\n
  5. The payment is authorized instantly, and the merchant receives confirmation in real time.<\/span><\/li>\n<\/ol>\n

    This flow eliminates the need to manually enter card details, reducing friction and thus improving conversion rates.<\/span><\/p>\n

    MB WAY payments in physical stores<\/b><\/h3>\n
      \n
    1. The merchant generates a code with the transaction details (amount, merchant identifier, etc.).<\/span><\/li>\n
    2. The customer scans the QR code from the MB WAY app.<\/span><\/li>\n
    3. They review the amount and confirm the payment with a PIN if required.<\/span><\/li>\n
    4. The transaction is validated in seconds and automatically notified to the merchant.<\/span><\/li>\n<\/ol>\n

      This model allows accepting mobile payments without cash or physical cards, facilitating digitization at physical points of sale.<\/span><\/p>\n

      <\/span>Advantages of accepting MB WAY payments in your business<\/b><\/span><\/h2>\n

      This payment method offers a range of benefits for both the customer and the merchant in the Portuguese market:<\/span><\/p>\n

      Advantages of paying with MB WAY (customer)<\/b><\/h3>\n