Multibanco
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 or using debit cards at ATMs across Portugal, or using their banking app.
Information
To enable Multibanco payments on your account, contact your account manager or request support.
Model | Collecting |
|---|---|
Payment flow | Cash |
Payment method type | Voucher |
Auto-capture payment | |
Authorization | |
Capture | |
Refund | |
Partial refund | |
Chargeback | |
Recurring payment |
Checkout.com communicates status updates for your payments through webhooks. You must set up your webhook receiver.
During the lifecycle of a SEPA Direct Debit payment, you receive the following webhooks:
| Webhook | Description |
|---|---|
| Occurs when an asynchronous payment request has successfully initiated. For example, a payment that requires an additional action to complete it, such as a cardholder completing a redirect to an alternative payment method's checkout page. |
| Occurs when an APM payment expires (not applicable to 3DS payment expiries). |
| The bank declined the payment request due to a technical or fraud-related issue. |
| Occurs when the customer approves the payment on their banking page. |
| Occurs when a capture is successful. |
| Occurs when a refund is successful. |
| Occurs when a refund is declined. |
The following sections describe the order in which each notification is sent, depending on the payment lifecycle:
You can receive the following response codes when processing Multibanco payments:
| Response code | Description |
|---|---|
| Approved |
| Deferred capture |
| The transaction failed for unknown reasons. |
| The external system declined the transaction e.g. bank account not accepted, not enough funds. |
| The payment gateway declined the transaction, for example, due to risk management. |
| Error / Invalid request parameters. |
| The customer cancelled the payment process. |
| There was a timeout while waiting for the transaction result. The customer either never finished the transaction and left the payment page open, or they closed the browser. |
| Administration error. For example, a configuration error. |
| System malfunction. |