# Multibanco

> **Information**
>
> Multibanco is available for Flow. Flow enables you to [accept payments on your website](https://www.checkout.com/docs/payments/accept-payments/accept-a-payment-on-your-website.md) using Checkout.com's global network of payment methods with a single integration.

[Multibanco](https://www.checkout.com/payment-methods/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](https://dashboard.checkout.com/support/new?topic=case_account_management_and_access&issue=issue_account_changes).

|  |  |
| --- | --- |
| Model | Collecting |
| Payment flow | Cash |
| Payment method type | Voucher |
| Auto-capture payment | ✓ |
| Authorization | ✗ |
| Capture | ✗ |
| Refund | ✓ |
| Partial refund | ✓ |
| Chargeback | ✗ |
| Recurring payment | ✗ |

---

## Configure webhooks

Checkout.com communicates status updates for your payments through webhooks. You must [configure your webhook server](https://www.checkout.com/docs/developer-resources/event-notifications/receive-webhooks/configure-your-webhook-server.md).

During the lifecycle of Multibanco payments, you can receive the following webhooks:

| Webhook | Description |
| --- | --- |
| `payment_pending` | Occurs when an asynchronous payment request has successfully initiated.<br><br>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. |
| `payment_expired` | Occurs when an APM payment expires (not applicable to 3DS payment expiries). |
| `payment_declined` | The bank declined the payment request due to a technical or fraud-related issue. |
| `payment_capture_pending` | Occurs when the customer approves the payment on their banking page. |
| `payment_captured` | Occurs when a capture is successful. |
| `payment_refunded` | Occurs when a refund is successful. |
| `payment_refund_declined` | Occurs when a refund is declined. |

The following sections describe the order in which each notification is sent, depending on the payment lifecycle:

**Successful payment**

1. `payment_pending`
2. `payment_capture_pending`
3. `payment_captured`

**Unsuccessful payment**

1. `payment_pending`
2. `payment_capture_pending`
3. `payment_declined`

**Payment expired**

1. `payment_pending`
2. `payment_expired`

**Payment refunded**

1. `payment_pending`
2. `payment_capture_pending`
3. `payment_captured`
4. `payment_refund_pending`
5. `payment_refunded`

---

## Response codes

You can receive the following response codes when processing Multibanco payments:

| Response code | Description |
| --- | --- |
| `10000` | Approved |
| `10200` | Deferred capture |
| `20000` | The transaction failed for unknown reasons. |
| `20001` | The external system declined the transaction e.g. bank account not accepted, not enough funds. |
| `20003` | The payment gateway declined the transaction, for example, due to risk management. |
| `20006` | Error / Invalid request parameters. |
| `20017` | The customer cancelled the payment process. |
| `20019` | There was a timeout while waiting for the transaction result.<br><br>The customer either never finished the transaction and left the payment page open, or they closed the browser. |
| `20089 ` | Administration error. For example, a configuration error. |
| `20096` | System malfunction. |

---

## Available for

- [Web](https://www.checkout.com/docs/payments/add-payment-methods/multibanco/web.md): Accept Multibanco payments on your website with Flow, our pre-built, customizable payment user interface.
- [Payment Setup API](https://www.checkout.com/docs/payments/add-payment-methods/multibanco/payment-setup-api.md): Build your own UI and integrate with our Payment Setup API to process Multibanco payments.
- [Unified Payments API](https://www.checkout.com/docs/payments/add-payment-methods/multibanco/unified-payments-api.md): Build your own UI and integrate with our API to process Multibanco payments.