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Overview

MULTIBANCO at a glance.

MULTIBANCO turns an online order into a familiar Portuguese payment: checkout generates an Entity, Reference and Amount, and the customer pays through home banking or a MULTIBANCO channel — with the unique reference matching the payment back to the order. The profile below shows where it fits.

Type
Payment reference for domestic banking and ATM channels
Payment category
Bank / reference payment
Primary market
Portugal
Currency
EUR
Payment information
Entity, Reference and Amount generated for the order
Best for
Portuguese e-commerce, invoices, utilities, travel, retail and services
The method

What MULTIBANCO is.

MULTIBANCO is Portugal’s domestic banking and payments network, operated by SIBS. For online merchants, the main payment experience is the MULTIBANCO Payment Reference.

At checkout, an Entity, Reference and Amount are generated for the order. The customer uses this information to complete payment through supported home-banking or MULTIBANCO channels.

The unique reference connects the completed payment with the merchant order and gives Portuguese customers the flexibility to pay through a familiar domestic banking environment.

The MULTIBANCO payment experiences
MULTIBANCO Payment Reference

The order creates an Entity, Reference and Amount for the customer.

The reference is tied to the order, so the completed payment matches back automatically.

Home-banking payment

The customer enters the payment information in a supported Portuguese online or mobile bank.

Payment happens inside the customer’s own banking environment, on their schedule.

MULTIBANCO channel payment

The same reference can be paid through a supported MULTIBANCO ATM or digital channel.

One reference, several familiar Portuguese channels — the customer picks the one they prefer.

The customer journey.

Five steps from checkout to a matched payment — through the banking channel the customer already uses.

  1. 01

    Select MULTIBANCO

    The customer selects MULTIBANCO at checkout.

  2. 02

    Reference generated

    The payment request generates an Entity, Reference and Amount linked to the order.

  3. 03

    Open a channel

    The customer opens a supported Portuguese banking or MULTIBANCO channel.

  4. 04

    Authorise

    The customer enters or selects the reference information and authorises payment.

  5. 05

    Payment matched

    The payment is matched to the merchant order using the generated reference.

Coverage

Market coverage.

MULTIBANCO is focused on Portugal and EUR payments. Its strength comes from the reach and familiarity of the domestic MULTIBANCO ecosystem among Portuguese consumers.

Fit

Where it wins.

Strong fit

  • Portuguese e-commerce and domestic service providers
  • International merchants localising checkout for Portugal
  • Invoice and service-payment journeys
  • Travel, utilities, retail and digital services
  • Customers who prefer home banking or MULTIBANCO channels

Additional merchant positives

Portuguese recognition
Customers receive a payment format they already know.
Channel flexibility
The reference can be paid through home banking or supported MULTIBANCO channels.
Order-specific reference
Entity, Reference and Amount support clear transaction matching.
Post-checkout payment
Customers can take the payment details into their preferred domestic banking channel.
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