> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.mangopay.com/guides/payment-methods/multibanco/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mangopay.com/_mcp/server.

# 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

#### [Endpoint](/api-reference/multibanco/multibanco-payin-object)

The Multibanco PayIn object

#### [Testing](/testing/payment-methods#multibanco)

Learn about testing Multibanco