**Last updated**: 17 November 2025 | [**Change log**](/products/apms/changelog/)

# Multibanco

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.

Note
Make yourself familiar with our [API principles](/products/reference/api-principles) to ensure a resilient integration.

details
summary
Product overview
### Feature summary

| 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

Get started using our [API reference](/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay.com/apmPayments`

### Example request

### Parameters

## Response

#### Successful request response

* 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`)


##### Additional information

| 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

### Example response

Successful
{
  "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"
}
Error response
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "The json body provided does not match the expected schema",
  "validationErrors": [
    {
      "errorName": "fieldHasInvalidValue",
      "message": "Field is mandatory",
      "jsonPath": "$.instruction.value.amount"
    }
  ]
}
#### Errors

Check out our API reference for the full [error code schema](/products/apms/openapi/other/payment#other/payment/response&c=400).

**Next steps**

[Manage your Multibanco payment](/products/apms/manage/)