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

Why use Multibanco?

Your customers can use Multibanco to pay through their internat banking or by using an ATM. The service is supported by all major banks in Portugal, and is therefore accessible to the maximum number of customers.

Feature summary

Payment typeCountryAcceptance CurrencyRecurringReversalsPartial Reversals
Post-pay voucherPortugalEUR
  • Minimum Transaction Value: 1.00 EUR
  • Maximum Transaction Value: 2.500 EUR

Customer journey

  1. On the payment method page, your customer selects the Multibanco payment method
  2. Your customer logs in to the Multibanco page. The page displays a payment reference and other details that your customer can use to complete the payment


  1. Your customer completes the payment, using the payment reference, in either their online banking app or using an ATM

Your customer must complete the payment by 23:59 UK time on the third day after the order was placed in the system. For example, if you submit a payment to our system at 15:29 (UK time) on Wednesday, your customer must use an ATM or bank to complete the payment by 23:59 (UK time) on Saturday. Wednesday + three days = Saturday.

Set your headers

Setting your headers is an important part of an API request. The headers represent the meta-data associated with your API request.

Authorization: {your_credentials}
Content-Type: application/json
WP-Api-Version: 2023-06-01
AuthorizationWe use the Authorization header to identify and authenticate you within Access Worldpay. You -must- use the Authorization header for any request you send to our APM API, unless you are using client certificate authentication over TLS. If you must use this, read our reference guide on Authenticating with SSL/TLS.
Content-TypeWe require the Content-Type header if the request you're sending includes a request body, and if the HTTP method is a POST or a PUT.
WP-Api-VersionWe use the WP-Api-Version header to identify which version of our APM API you are using. You must use the WP-Api-Version header for any request you send to our API.

If you're using both the Content-Type and WP-Api-Version headers, they must match.


Replace {your_credentials} with your base64-encoded Basic Auth username and password. To get your Access Worldpay credentials contact your Implementation Manager.

Take a payment


Example request

    "transactionReference": "Memory265-13/08/1876",
        "entity": "MindPalaceLtd"
            "line1": "Mind Palace Ltd"
            "amount": 25,
            "currency": "EUR"
            "type": "multibanco",
            "language": "pt",  
            "shopperEmailAddress": "",
            "cancelURL": "",
            "failureURL": "",
            "pendingURL": "",
            "successURL": ""


ParameterRequired?DescriptionData typeLength
transactionReferenceA unique reference generated by you that is used to identify a payment throughout its lifecycle. See transaction reference format.StringMust be between 1 to 64 characters.
merchantAn object that contains information about the merchant.ObjectN/A
merchant.entityDirect your payment to assist with billing, reporting and reconciliation. This is mandatory for Authentication and Queries.
Contact your Implementation Manager for more details.
StringMust be between 1 and 32 characters.
instructionAn object that contains all the information related to the payment.ObjectN/A
instruction.narrativeAn object that helps your customers better identify you on their statement.ObjectSee our formatting rules
instruction.narrative.line1The first line of the narrative which appears on your customer's statement (If a character is not supported it is replaced with a space.).
See narrative line1 format for more details.
instruction.valueAn object that contains information about the payment transaction.ObjectN/A
instruction.value.amountThe payment amount. This is a whole number with an exponent e.g. if exponent is two, 250 is 2,50. You can find the relevant exponent in our currency table.IntegerN/A
instruction.value.currencyThe payment currency. Refer to the individual APM page for supported currencies.Integer3
instruction.paymentInstrumentAn object that contains information about the payment method.ObjectN/A
instruction.paymentInstrument.typeThe payment type and details. It defines which alternative payment method you wish to use. Value is "multibanco".ObjectN/A
instruction.paymentInstrument.languageAn object that contains the language of your customer. Follows ISO 639-1 standard.String2
instruction.paymentInstrument.shopperEmailAddressThe email adddress of your customer.StringN/A
instruction.paymentInstrument.cancelURLWhen your customer cancels a transaction, we redirect your customer to that cancel URL.StringN/A
instruction.paymentInstrument.failureURLWhen a payment fails, we redirect your customer to the failure URL.StringN/A
instruction.paymentInstrument.pendingURLWhen we receive the payment result for a pending payment transaction, we redirect your customer to that pending URL.StringN/A
instruction.paymentInstrument.successURLWhen we receive the payment result for a successful payment, we redirect your customer to that success URL.StringN/A

We suggest you provide the cancelURL,failureURL, pendingURL and successURL attribute to redirect your customer to, once you have received the payment result.


Successful request response

  • an HTTP code 201
  • an id which is unique to the payment - we recommend storing the "id" as this can be used to manage the payment later
  • a url to redirect your customer to the APM provider to complete the payment
  • a link to query the payment status

Example Response

    "paymentId": "nFxASqw-LV9HE_rr1mMONJmqBDeXmnv5dzt9IxAXgXbfpu0O_8mOnTpFSIM9gnTSygCKQgvlwQdUbu5rExIpJA_5Uq2LEGXXAanycRpxfDPNA-E70zIWdnaMb2gJhC8AIhbOkM6xDiVNu90YCXo2snTzi_k1sEOQnKIAJNTW3Qc",
    "lastEvent": "pending",
    "_links": {
        "self": {
            "href": ""
    "_actions": {},
    "url": ""

In case of an error, you can get further information in our error reference.

Next Steps

Manage your Multibanco payment