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Multibanco is an alternative payment method exclusive to Portugal that we offer through EUPAGO and SIBS, which allows payments to be made at an ATM or through the bank's mobile application in which the user indicates the reference that they has obtained during the payment process.

There are two ways to integrate it: by redirection or push payment.

Integration via redirection​

To integrate by redirection, the user must be present at the time of payment, which must be processed through a browser. First we must generate a payment order.

As service identifier, the service_uuid of the EUPAGO or SIBS service you have activated in your Paylands Backend → Manage → Payment Services → Listing must be indicated.

Once the order is generated, the user must be redirected to the payment screen indicating the token of the order and in the query, the name of the APM:

We construct the redirection URL by replacing the token of the order returned from the previous call.

https://api.paylands.com/v1/sandbox/payment/process/{token}?apm=MULTIBANCO

Once the user is redirected to this screen, they will be able to view the reference to be entered through his/her bank's mobile application or physically through an ATM. When the payment is completed, they will be redirected back to the OK or KO URL, depending on the result of the payment.

Push payment integration​

If the merchant prefers to send the reference to the user through a channel other than the browser, it is possible to integrate the push payment method, which will return the reference to the server so that it can be sent to the user.

To do this, we must first generate a payment order.

Then we must launch the push payment request indicating the UUID of the order. The response will contain the payment reference and payment deadline. These fields are included within the payment transaction, in the field payment_data. An example is included below:

"payment_data": {
    "entity": "81921",
    "reference": "800133222",
    "deadline": "2024-04-28"
}

Once the payment is completed, the merchant will receive the payment notification to the URL indicated in the url_post field when generating the payment order.

Testing​

For more information on how to test this payment method on each of your vendors, visit the EUPAGO or SIBS documentation.

Custom fields​

By default, the expiration date is set within 3 days from the moment the payment is triggered. If you want to customize this value, just add this information when generating the payment order with the desired date in Y-m-d format:

"extra_data": {
    "payment": {
        "deadline": "2024-05-20"
    }
}