Multibanco

Last updated: December 11, 2024

Information

Multibanco is also available through Flow. Flow enables you to accept payments on your website using Checkout.com's global network of payment methods with a single integration.

Multibanco enables customers to pay for online purchases in cash at ATMs across Portugal.

Information

To enable Multibanco payments on your account, contact your Account Manager or [email protected].

Model	Collecting
Payment flow	Cash
Payment method type	Voucher
Auto-capture payment
Authorization
Capture
Refund
Partial refund
Chargeback
Recurring payment

Multibanco payments follow a two-step process:

Use the details below to set up your request.

You can find the full list, as well as complete request and response examples, in our API reference.

post

https://api.checkout.com/payments


1{
2  "amount": 100,
3  "currency": "EUR",
4  "source": {
5    "type": "multibanco",
6    "payment_country": "PT",
7    "account_holder_name": "John Smith",
8    "billing_descriptor": "test payment"
9  }
10}

If you receive a 202 Success response with a status field set to Pending, your request was successful.


1{
2  "id": "pay_cdv64cky2neeljlss37yjpofzu",
3  "status": "Pending",
4  "customer": {
5    "id": "cus_ezuq5ju3ln4udgaz6joebp3p44"
6  },
7  "_links": {
8    "self": {
9      "href": "https://api.sandbox.checkout.com/payments/pay_cdv64cky2neeljlss37yjpofzu"
10    },
11    "multibanco:static-reference-page": {
12      "href": "https://r.girogate.de/ti/simmultibanco?tx=512308296&rs=y5XBJFK6UF0R7gcn4lcQlbtc5wD2ppQ1&cs=058d2f4cecebaf97933ac9fb465a517ab84395eca459900105526a823460a90a"
13    }
14  }
15}

Redirect your customer to the multibanco:static-reference-page link’s href in the response. The customer will be redirected to a Multibanco page where they can authorize the payment, before being transferred to your predefined success or failure URL.

To retrieve details about the payment, you can use either the id found in the payment response or the cko-session-id from the success/failure URL. For example, https://www.checkout.com/order/succeeded?cko-session-id=sid_vii64oquze5u3h2x6hh4rurc4y.

Note

The cko-session-id expires 15 minutes after being created.

Use the details below to set up your request.

You can find the full list, as well as complete request and response examples, in our API reference.

get

https://api.checkout.com/payments/{id}


1{
2  "id": "pay_cdv64cky2neeljlss37yjpofzu",
3  "requested_on": "2019-09-25T06:05:22Z",
4  "source": {
5    "type": "multibanco",
6    "service_supplier_id": "11854",
7    "payment_reference": "999999919"
8  },
9  "amount": 100,
10  "currency": "EUR",
11  "payment_type": "Regular",
12  "status": "Captured",
13  "approved": true,
14  "risk": {
15    "flagged": false
16  },
17  "customer": {
18    "id": "cus_ezuq5ju3ln4udgaz6joebp3p44"
19  },
20  "actions": [
21    {
22      "id": "act_n7qvjkcqgvlutongpq7vxshauy",
23      "type": "Capture",
24      "response_code": "10000",
25      "response_summary": "Approved"
26    }
27  ],
28  "_links": {
29    "self": {
30      "href": "https://api.sandbox.checkout.com/payments/pay_cdv64cky2neeljlss37yjpofzu"
31    },
32    "actions": {
33      "href": "https://api.sandbox.checkout.com/payments/pay_cdv64cky2neeljlss37yjpofzu/actions"
34    },
35    "refund": {
36      "href": "https://api.sandbox.checkout.com/payments/pay_cdv64cky2neeljlss37yjpofzu/refunds"
37    }
38  }
39}

Multibanco supports both partial and full refunds.

You can process a full refund using the Dashboard or by using the Refund API.

If the customer fails to complete their payment within 7 days of voucher creation, we'll automatically void the payment and send a payment_expired webhook.

Note

To start testing, you'll need to contact your Account Manager or Integrations Engineer to activate Multibanco payments in the sandbox environment.

Create a Multibanco transaction as above, following the redirect link in the response to Multibanco's website.
Select Multibanco.
Select Pay now. You will be redirected to the Multibanco Simulator.
Leave the Pin field blank and select Make Payment.
Select Back to where you came from to be redirected to your predefined success URL.

Multibanco

Information

Information

Overview

Request a payment

Endpoints

Request example

Response example

Redirect the customer

Get details about a payment

Note

Endpoints

Response example

Refund a payment

Payment Expiration

Testing Multibanco

Note