Multibanco is available at more than 11,000 ATMs.

Multibanco represents around 85% of Portugal’s total commerce transactions.

Multibanco holds a 30% market share of Portugese payments market.

What Is Multibanco?

Multibanco is the most popular payment method in Portugal. A debit-based payment method known as a ‘post-pay’ method, customers use Multibanco to fulfill transactions after their purchase with a checkout-generated reference code.

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Payment Type Commerce Channel Chargebacks Recurring Refunds

Payment Type


Commerce Channel

E-commerce and in-store







How Does It Work?

Step 1

The customer makes their purchase online or in-store and is given a reference code.

Step 2

The customer completes the payment at an APM or online with their debit card by inputting the reference.

Step 3

The payment is confirmed.

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Frequently Asked Questions

To get a merchant account, all you need to do is send us an application. You’ll be partnered with one of our banking partners in order to provide you with the best merchant account options that are cost-effective and suit your business best.
A merchant account is a business bank account. It’s used to receive payments from debit and credit cards for your products or services. Payments are held in your merchant account until they are settled into your bank account.
The cost of your merchant account will depend on various factors such as the type of industry and/or the level of risk involved in your business. For example, a high-risk merchant account would cost more than a low-risk merchant account.