MB Way

Transaction amounts between 0.50 EUR and 5,000 EUR are supported. MB WAY users have a default daily cumulative limit of 1,000 EUR, adjustable up to 10,000 EUR in the app.

Introduction

MB WAY uses a redirect-based payment flow. After the customer enters their phone number at checkout, they receive a push notification in the MB WAY app to authorize the payment, then return to your website. MB WAY is a single-use payment method where customers must authenticate each payment.

This guide explains the process of integrating MB WAY into your app or website using Payrails via Stripe.

Pre-requisites

Before you start accepting MB WAY payments with Payrails, there are a few requirements you must meet:

1. Integrate with Payrails using one of our SDKs or our API
2. Configure a new integration account for MB WAY via Stripe as a Payment Service Provider.
3. Enable MB WAY as a payment method in your Stripe integration configuration. In the Payrails portal, navigate to Settings → Integrations, select your Stripe integration instance, and enable the MB WAY checkbox under Payment methods, then save the account.
4. Enable MB WAY as a payment option in your workflow.
5. Make sure you're sending the MB WAY-specific required meta fields in your requests (see Required meta fields below).

Ways to integrate MB WAY

Payrails SDK

The simplest way to use MB WAY with Payrails is to use our drop-in in your checkout flow. With this integration type, no additional work is required to accept payments with MB WAY except for handling success/failure screens for your users.

For a more flexible implementation using our SDK, you can use our genericRedirectButton element. See special instructions here for your client-side implementation.

Server-to-server integration

You can integrate MB WAY by completely managing your own client-side implementation, and using Payrails APIs with a server-to-server integration to process MB WAY payments.

Parse MB WAY from lookup response

With a server-to-server integration, you can call our lookup payment options endpoint to get available payment options. As shown in the example below, you can see mbWay returned as an option of the paymentCompositionOptions.

{
  "name": "lookup",
  "actionId": "0bb6413e-cabb-4074-99e6-9e815c69f25b",
  "executedAt": "2026-03-26T12:00:00.000000000Z",
  "data": {
    "paymentCompositionOptions": [
      {
        "integrationType": "redirect",
        "paymentMethodCode": "mbWay",
        "description": "MB WAY"
      }
    ]
  },
  "links": {
    "execution": "https://api.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424",
    "authorize": {
      "method": "POST",
      "href": "https://api.payrails.io/merchant/workflows/payment-acceptance/executions/83c534ac-13b7-43e6-b04b-f3e8b4eb4424/authorize"
    }
  }
}

Required meta fields

MB WAY requires the following fields to be present in every authorize request:

Pass MB WAY payment method in request to authorize payment with Payrails

You can then make a request to our authorize a payment endpoint with mbWay as the paymentMethodCode. See an example below:

{
  "executionId": "c0fd1c51-e709-47e5-bfd1-5d1c98f7d990",
  "amount": {
    "value": "2000",
    "currency": "EUR"
  },
  "paymentComposition": [
    {
      "integrationType": "redirect",
      "paymentMethodCode": "mbWay",
      "amount": {
        "value": "2000",
        "currency": "EUR"
      }
    }
  ],
  "meta": {
    "order": {
      "billingAddress": {
        "name": "Maria",
        "lastName": "Silva",
        "phone": {
          "number": "912345678",
          "countryCode": "351"
        },
        "country": {
          "code": "PT"
        }
      }
    }
  },
  "returnInfo": {
    "success": "https://mysuccessurl.com",
    "error": "https://myerrorurl.com"
  }
}

Note on amounts: EUR uses 2 decimal places. Amounts should be provided in the smallest currency unit — e.g., 2000 for €20.00.

Note: After calling the authorize endpoint, the customer will receive a push notification in their MB WAY app to approve the payment. The customer must approve within the MB WAY app. Once confirmed, the customer will be redirected back to the returnInfo.success URL. Make sure to provide valid returnInfo URLs in your authorization request.

Handle the redirect response

After the customer approves or declines the MB WAY payment, they will be redirected back to your success or error URL. You should then verify the payment status by checking the workflow execution status via the Payrails API or by listening to webhook notifications.

Supported currencies

MB WAY via Stripe supports the following presentment currency:

• EUR — Euro

Supported regions / countries

Customer regions

MB WAY is available to customers based in:

• Portugal 🇵🇹

Merchant regions

Stripe accounts in Europe and the US can accept MB WAY payments.

Supported workflows and services

Test your integration

Test your MB WAY integration using the following test phone numbers: