Multibanco via Stripe

Accept Multibanco payments from customers in Portugal with Stripe as the payment service provider (PSP). The customer receives a Multibanco voucher and pays it later through online banking or at an ATM.

Supported workflows

Before you begin

Complete these steps before you send your first Multibanco payment through Stripe:

Set up a Stripe integration in your workspace. Follow the Stripe integration setup guide if you don’t have one yet.
Turn on Multibanco in your Stripe Dashboard payment method settings.
In the Payrails Portal, go to Settings → Integrations, open your Stripe integration, select Multibanco under Payment methods, and save.
Add Multibanco as a payment option in your workflow.

Request fields for Stripe

Send these fields in the authorize request, in addition to the standard authorize fields. Payrails checks Required fields and returns an error when one is missing. Fields required by the PSP pass the Payrails checks but the PSP can decline the payment without them.

Field	Status	Description
`amount`	Required	Must be in `EUR` and greater than zero.
`returnInfo`	Required	The URLs the customer returns to from the voucher page.
`meta.order.billingAddress.name`	Required	The customer’s first name. Sent to Stripe as the billing name.
`meta.order.billingAddress.email`	Required	Sent to Stripe as the billing email. Stripe sends the voucher payment instructions to this address.
`meta.order.billingAddress.lastName`	Recommended	Added to the billing name, for example `Inês Costa`.
`meta.order.billingAddress.country.code`	Optional	Sent to Stripe as the billing country, for example `PT`.
`meta.order.description`	Optional	Sent to Stripe as the payment description.

Authorize a Multibanco payment

Call authorize a payment with multibanco as the paymentMethodCode. The response includes the redirect to the Stripe-hosted voucher.

Authorize request

{
  "amount": {
    "value": "25.00",
    "currency": "EUR"
  },
  "paymentComposition": [
    {
      "integrationType": "api",
      "paymentMethodCode": "multibanco",
      "amount": {
        "value": "25.00",
        "currency": "EUR"
      }
    }
  ],
  "meta": {
    "order": {
      "billingAddress": {
        "name": "Inês",
        "lastName": "Costa",
        "email": "ines.costa@example.com",
        "country": {
          "code": "PT"
        }
      }
    }
  },
  "returnInfo": {
    "success": "https://example.com/success",
    "error": "https://example.com/error"
  }
}

The payment stays pending until the customer pays the voucher. Confirm the result through webhook notifications or the execution status before you fulfill the order.

Show the voucher

The required action in the authorize response redirects to the Stripe-hosted voucher page. To show the voucher in your own checkout instead, read the voucher details from the required action’s provider data:

Field	Description
`entity`	The Multibanco entity number the customer pays to.
`reference`	The payment reference the customer enters.
`expiresAt`	When the voucher expires, as a Unix timestamp.
`hostedVoucherUrl`	The Stripe-hosted voucher page.

How Stripe handles Multibanco

Stripe accepts Multibanco only in EUR. Payrails rejects other currencies before calling Stripe.
Zero-amount authorizations aren’t supported.
Payrails doesn’t save the Stripe payment method for later payments, so Save Instruments and MIT aren’t available.

Merchant regions

Merchants with Stripe accounts in Europe and the United States can accept Multibanco through Stripe.

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

Supported workflows

Before you begin

Request fields for Stripe

Authorize a Multibanco payment

Show the voucher

How Stripe handles Multibanco

Merchant regions

​Supported workflows

​Before you begin

​Request fields for Stripe

​Authorize a Multibanco payment

​Show the voucher

​How Stripe handles Multibanco

​Merchant regions

Supported workflows

Before you begin

Request fields for Stripe

Authorize a Multibanco payment

Show the voucher

How Stripe handles Multibanco

Merchant regions