> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mangopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Multibanco

## About

Multibanco is a popular payment method in Portugal that has been around since 1985. It works by generating a reference code at checkout, which allows users to pay via online banking or at a physical ATM within 7 days.

<table>
  <tbody>
    <tr>
      <th class="header">Region</th>

      <td class="table-content">
        Portugal
      </td>
    </tr>

    <tr>
      <th class="header">Currencies</th>

      <td class="table-content">
        EUR
      </td>
    </tr>

    <tr>
      <th class="header">Refunds</th>

      <td class="table-content">
        No
      </td>
    </tr>

    <tr>
      <th class="header">Disputes</th>

      <td class="table-content">
        Users authenticate directly with their bank, so there is no dispute process and a low risk of unrecognized or fraudulent payments
      </td>
    </tr>

    <tr>
      <th class="header">Preauthorization</th>

      <td class="table-content">
        No
      </td>
    </tr>

    <tr>
      <th class="header">Recurring payments</th>

      <td class="table-content">
        No
      </td>
    </tr>
  </tbody>
</table>

## How it works

* On your app or website, the user selects Multibanco as the payment method during checkout
* The user is redirected to the Multibanco payment page `RedirectURL` where they are shown a payment reference
* The user indicates that they have downloaded or noted the reference, before being returned to your app or website (on `ReturnURL`)
* Within 7 days, and by entering the reference, the user pays via bank wire from their online banking, or at an ATM cash machine (by selecting *Payment and other services* > *Payment for services/Buy*)

The user has 7 days to pay. The transaction is complete when the pay-in status changes from `CREATED` to `SUCCEEDED` or `FAILED`, indicating the outcome.

You should also set up [hook notifications](/webhooks) for the relevant [event types](/webhooks/event-types):

* PAYIN\_NORMAL\_SUCCEEDED
* PAYIN\_NORMAL\_FAILED

## Related resources

<CardGroup col={2}>
  <Card title="Endpoint" href="/api-reference/multibanco/multibanco-payin-object">The Multibanco PayIn object</Card>

  <Card title="Testing" href="/testing/payment-methods#multibanco">Learn about testing Multibanco</Card>
</CardGroup>