Last Updated: 09 July 2025 | Change Log
Multibanco is an interbank network in Portugal. This network is run by SIBS (Sociedade Interbancária de Serviços S.A.) and enables many services, including payment services, to be hosted.
Make yourself familiar with our API Principles to ensure a resilient integration.
Product overview
Payment type | Country | Acceptance Currency | Recurring | Reversals | Partial Reversals |
---|---|---|---|---|---|
Post-pay voucher | Portugal | EUR | ❌ | ❌ | ❌ |
- Minimum Transaction Value: 1.00 EUR
- Maximum Transaction Value: 2.500 EUR
Get started using our API Reference and set your headers.
POST
https://try.access.worldpay.com/apmPayments
- Try
https://try.access.worldpay.com/apmPayments
- Live
https://access.worldpay.com/apmPayments
- Payload
- curl
- Python
- Java
- Node.js
- Go
- PHP
- Ruby
- C#
{ "transactionReference": "Memory265-13/08/1876", "merchant": { "entity": "default" }, "instruction": { "method": "multibanco", "value": { "amount": 1600, "currency": "EUR" }, "narrative": { "line1": "Joe Plumbing Ltd" }, "paymentInstrument": { "type": "direct", "country": "PT" }, "resultUrls": { "pending": "https://worldpay.com/pending", "success": "https://worldpay.com/success", "cancel": "https://worldpay.com/cancel" }, "customer": { "email": "shopper@worldpay.com" } } }
Used to route the request in Access Worldpay, created as part of on-boarding.
Object that contains the payment type and details.
Type of payment method
- alipay_cn
- alipay_hk
- bancontact
- blik
- euteller
- ideal
- klarna
- konbini
- multibanco
- mybank
- open_banking
- oxxo
- paypal
- paysafecard
- pix
- przelewy
- sepa
- safetypay
- trustly
- wechatpay
The value of the payment.
The amount in the lowest denomination of the currency e.g. pennies for GBP, cents for USD.
The supported ISO 4217 currency codes.
The description shown on your customer's bank statement for the payment.
Type of instruction
Your customer's language.
The URL your customer is redirected to, after a cancelled payment outcome.
The URL your customer is redirected to, after a failed payment outcome.
The URL your customer is redirected to, after a pending payment outcome.
The URL your customer is redirected to, after a successful payment outcome.
- an HTTP code 201
- a
paymentId
which is unique to the payment - we recommend storing the "id", as you can use it to manage the payment later - a url to redirect your customer. For Multibanco returns a Worldpay redirection URL. This redirects the shopper to the merchant-supplied pending URL that contains additional
- a link to query the payment status
- an object which will give flow information such as
method
(e.g.multibanco
) and type (direct
) - a
commandId
generated by us identifying a single merchant interaction (e.g.cmdYNdIHBPJwbkjLiykzTx0
)
Parameter | Example | Description |
---|---|---|
Multibanco reference | 679+115+881 | The payment reference that the shopper must use to complete the payment. |
Multibanco entity | 11893 | The entity reference that the shopper must use to complete the payment. |
Payment amount | 100 | The amount that the shopper should pay, expressed in minor currency units. For example, 100 = 100 Euro cents. |
Payment currency | EUR | The currency corresponding to the PaymentAmount. |
In the above example, you must display a message of the following form to the shopper:
"To complete your payment, please make a deposit using the details below. To avoid delays in your payment being processed, please ensure that you use the exact details and payment amount shown below. You can pay through your Internet bank or at an ATM. Reference: 679115881 Entity: 11893 Amount: EUR 1"
Pending URL example: http://www.worldpay.com/pendingURL?orderKey=BIBIT^DEMO^Example_Multibanco_Order&status=OPEN&multibancoReference=679+115+881&multibanco_Entity=11893&multibancoPaymentAmount=100&multibancoPaymentCurrency=EUR
{
"paymentInstrument": {
"method": "multibanco",
"type": "direct"
},
"paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEbSibICjg9oWBDkoVO2KwlcxPVS3no:Ih5XitYN0H06VJpX:bvbw7McvoP:E6S0L1+lDe8iZ9K6c9KAEix5K1S6AaFT9PiiV:KsP+z2Cdr9o:XFrnd4GNEHV7yDuZt9Jyqf5XZUPFYfD4fs2JzaCZKV3L7DQm7JfXl6rjXA0ubX6hJpY5kUX4Djm9+PFFKUS6+LdORYaAdburi8EX32V9tpYSSzNI+ETqS5RDlRGivjQxKM2Ks:rlczHJ2DGe1:xPRqjBWEQYSfjhGO0ig5hWkDZE8WUCW:tC4G::vVo3ySleCbEoL1DciLmD44Risvo6Qgyc2sVBwmk1yqyduyRKK6z:U2p2C6Bg4E5vMB+TefQQ==",
"lastEvent": "pending",
"_links": {
"self": {
"href": "https://try.access.worldpay.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEbSibICjg9oWBDkoVO2KwlcxPVS3no:Ih5XitYN0H06VJpX:bvbw7McvoP:E6S0L1+lDe8iZ9K6c9KAEix5K1S6AaFT9PiiV:KsP+z2Cdr9o:XFrnd4GNEHV7yDuZt9Jyqf5XZUPFYfD4fs2JzaCZKV3L7DQm7JfXl6rjXA0ubX6hJpY5kUX4Djm9+PFFKUS6+LdORYaAdburi8EX32V9tpYSSzNI+ETqS5RDlRGivjQxKM2Ks:rlczHJ2DGe1:xPRqjBWEQYSfjhGO0ig5hWkDZE8WUCW:tC4G::vVo3ySleCbEoL1DciLmD44Risvo6Qgyc2sVBwmk1yqyduyRKK6z:U2p2C6Bg4E5vMB+TefQQ=="
}
},
"_actions": {},
"redirect": "http://secure-test.worldpay.com/redirect?tokenId=607aa358-f5ef-4ac8-bd66-d7d5e92a5169",
"commandId": "cmdQWhyosPRf9MP3x9LKqAvw0"
}
Check out our API reference for the full error code schema.