Multibanco is one of the world’s most advanced ATM system. Its framework involves an interbank network in Portugal that links the ATMs of 27 banks in Portugal.

The Multibanco references are made up of numbers which work together to identify an entity, a payment reference and a payment amount. These numbers can be printed on invoices or displayed in online stores, allowing the customer to make payments from online banking or any ATM in Portugal.

Payment flow

  • The customer inputs the requested information.
Multibanco preset
  • The customer completes the payment using the previously generated invoice.
Multibanco checkout


name description
Countries Portugal flag PT
Type Bank Transfers
Processing currencies EUR
Supported currencies Refer to currency codes
Payment confirmation time Within 12 hours
Payout time frame NET 30
Chargebacks No
Refunds No
Partial refund No
Onboarding required No
Recurring Payments No
Mobile UI Yes
Opens new window Yes
Min Transaction Limit 1 EUR

Available models:

  • Merchant.

Included with your Paymentwall account.

  • MOR.

Terminal 3.