Multibanco : Online payment methods - Dalenys
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Accept Multibanco with Dalenys

Multibanco is a means of payment that allows you to pay for goods or services purchased online using ATMs or online transfers.
Since the payment is made directly between the customer and their bank, the risk of fraud is very low. The system’s very high level of security is partly based on the cardholder’s verification, which is carried out at the ATM or point of sale using the card’s PIN code.
Multibanco accounts for 30% of online sales in Portugal (Source) with more than 23 million co-branded Visa, Mastercard or American Express (Source) cards in circulation.

Integration methods

Direct Link

Server-to-server request.
• The merchant displays the payment form and the information entered by the buyer is transmitted to Dalenys via the merchant’s server
• No sensitive data passes through the merchant’s operating system, so the latter does not need to be PCI-DSS compliant

Customer Journey

At the check out, the buyer chooses Multibanco as payment method.

Dalenys provides the buyer with their Multibanco order reference numbers

Option 1 : The buyer goes to a Multibanco ATM or to a point of sale, selects the Multibanco payment method and enters the order reference numbers

Option 2 : The buyer logins to their online bank account to pay by bank transfer using the Multibanco order reference numbers

Relevant Countries

Multibanco with Dalenys

Deferred payment, Payments on D+1 or D+2, Financial reconciliation


e-Commerce and in-store

Currency processing



Depending on the channel:
ATM/EPT: PIN code + Multibanco order reference numbers
Online banking: online banking login codes + Multibanco order reference numbers

Simple payment


Payment in several instalments


One-click payment


Subscription (MIT)





D+1, D+2

Technical documentation

All preferred payment
methods in Europe

Dalenys’ services cover the main card issuers in Europe. We offer you complete payment method coverage and advise you on the payment option you should include based on your target customer profiles.