Information on the MULTIBANCO payment method.


MULTIBANCO is a Portuguese interbank network. It is the largest interbank network in Portugal. MB NET allows users to make payments through the Internet and it is set up for online shopping.

User Experience


At online checkout, the consumer selects MULTIBANCO as the preferred payment method:

MULTIBANCO - User Journey - 1

The consumer redirects to a MULTIBANCO-hosted payment page displaying a payment slip with payment details:

MULTIBANCO - User Journey - 2

The consumer logs into their online bank and fills in the payment details presented on the payment slip:

MULTIBANCO - User Journey - 3

The consumer reviews the payment details and proceeds with the payment:

MULTIBANCO - User Journey - 4

The consumer completes any required verification step (in this example, an SMS) and confirms the payment:

MULTIBANCO - User Journey - 5

The payment is confirmed and the merchant is notified of the results:

MULTIBANCO - User Journey - 6

The payment in confirmed on the merchant’s page:

MULTIBANCO - User Journey - 7


Please also see our videos below, outlining the desktop and mobile use of MULTIBANCO:




Merchants do not need to have an account with MULTIBANCO

How to enable MULTIBANCO

If you wish to enable this payment method, please contact your Viva Wallet sales representative. Alternatively, you can contact us directly via our live chat facility, by simply clicking on the live chat icon in the bottom right-hand corner of this page.

Merchant Categories

There are some merchant categories that are not eligible to have MULTIBANCO enabled. If your business is in one of these categories, you will not be able to accept payments through MULTIBANCO:

Merchant Category (MCC) Description
5094 Precious Stones and Metals, Watches and Jewelry
5122 Drugs, Drug Proprietors, and Druggist’s Sundries
5499 Misc. Food Stores – Convenience Stores and Specialty Markets
5912 Drug Stores and Pharmacies
5962 Direct Marketing – Travel Related Arrangements Services
5966 Direct Marketing- Outbound Telemarketing Merchant
5967 Direct Marketing – Inbound Teleservices Merchant
5999 Miscellaneous and Specialty Retail Stores
7322 Debt collection
7996 Amusement Parks, Carnivals, Circuses, Fortune Tellers
9223 Bail and Bond Payments

Payment method icon

If desired, you can download and use this icon on your site or online store, in order to show customers you offer MULTIBANCO as a payment method:

Payment Method Icon - MULTIBANCO

Get Support

If you would like to integrate with Viva Wallet, or if you have any queries about our products and solutions, please see our Get Support page to see how we can help!