MB payment reference

MB payment reference is a Portuguese interbank network. It is the largest interbank network in Portugal. MB NET allows users to make payments through the Internet and it is set up for online shopping.

#➡️ Key benefits of offering MB payment reference as a payment method are:

• Flexibility: There is no need for the users to carry bank cards

• Easy to use: Consumers experience a seamless and secure experience

• Availability: MB payment reference is available in a wide range of countries

• Get started quickly: There is no need for the merchant to have an account with MB payment reference

#How it works

Steps:

1. At the online checkout, the customer selects MB payment reference as their preferred payment method, before filling in their details and clicking Generate reference.

   

2. A reference code is then generated, along with instructions on how the customer can pay - either at an ATM or via home banking (this reference code is also sent to the customer via email).

   

3. The customer can then use this reference code to complete the transaction on a Multibanco ATM or Portuguese Banking App.

#➡️ Details

• Merchant's account: Merchants do not need to have an account with MB payment reference

• Payment method type: Asynchronous - payments are not confirmed immediately, it may take up to 24 hours to receive payment confirmation. You need to set up webhooks to get notified of asynchronous payments

• Refunds: * Please note: this service is currently unavailable *

• Recurring payments: Not yet supported

• Pre-authorizations: Not yet supported

• 0% Cashback: Not supported

• MOTO: Not supported

• Cancellation: Supports cancellation

• Disputes: Supported

• DCC: Not supported

• Surcharge: Not supported

• Tipping: Not supported

• Installments: Not supported

• Tokenization: No

• Restricted MCC: None

• Μerchant countries: Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain

• Customer countries: Portugal

• Pricing: Please refer to our pricing page under the main navigation for more information.

• Settlement: All settlement takes place the next day for confirmed payments / successful transactions (i.e. have statusId = F)

• Cross-currency payments: Not yet supported

#➡️ How to activate MB payment reference

Activation of this payment method is instant. Once activated, merchants will immediately be able to accept payments via MB payment reference.
​

#➡️ Activation process:

Merchants can only activate MB payment reference reference on their own from their Viva account interface.

1. Sign in to your Viva.com account

2. Click on Settings > API Access and scroll down to the Multibanco Reference (Payment Method) section.

3. Click on the Enable Multibanco Reference as a payment method button.

   

4. MB payment reference will be activated and a MULTIBANCO ID allocated to you

5. If you would like to deactivate MB payment reference, click on the Disable Multibanco Reference as a payment method button.
   ​

   

#➡️ Get Support

If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!