Multibanco

ID: multibanco-eupago | Provider: Eupago | Region: Portugal

Overview

Portuguese ATM network payment. The customer receives an entity + reference pair that they can use to pay at any ATM or through online banking.

`paymentMethod` Fields

Field	Required	Description
`id`	yes	Must be `multibanco-eupago`
`email`	yes	Customer email used by Eupago to deliver the payment instructions

No extra customer fields are required beyond customer.id.

Request Example

{
  "paymentMethod": {
    "id": "multibanco-eupago",
    "email": "customer@example.com"
  },
  "reference": "ORDER-12345",
  "customer": {
    "id": "cust_abc123",
    "email": "customer@example.com"
  },
  "amount": "100.50",
  "currency": "EUR",
  "returnLinks": {
    "default": "https://yourproduct.com/return"
  }
}

Response Action

Multibanco uses a requisites action. The requisites object contains the entity and reference the customer must enter at the ATM / online banking. The payment amount is on the intent itself and is not duplicated here.

{
  "type": "requisites",
  "requisites": {
    "entity": "12345",
    "reference": "123 456 789"
  },
  "expiresAt": "2025-11-20T23:59:59.000+00:00"
}

Display Format

Present the data to the customer clearly, along with the intent's amount and currency:

Entity (Entidade):    12345
Reference (Referência): 123 456 789
Amount (Valor):       EUR 100.50
Valid until:          2025-11-20T23:59:59+00:00

Status Flow

requires_action - requisites issued, waiting for customer to pay at ATM / online banking.
processing - Eupago detected the payment, finalizing.
succeeded - payment captured. Fulfill the order.
canceled - the requisites expired without payment.

MBWay

Neteller