Information on the MULTIBANCO reference payment method.


MULTIBANCO 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.

Some of the main benefits of offering MULTIBANCO reference as a payment method are:

User Experience


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

MULTIBANCO - User Journey - 1

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

MULTIBANCO - User Journey - 2

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



Merchants do not need to have an account with MULTIBANCO reference

How to activate MULTIBANCO

Merchants do not need to have an account with MULTIBANCO

Environment Activation details
Production Activation of this payment method is instant. Once activated, merchants will immediately be able to accept payments via MULTIBANCO.
Demo This payment method is unavailable on demo environment.

Merchants can only activate MULTIBANCO reference on their own from their Viva account interface. To activate MULTIBANCO reference, please follow the procedure below:

  1. Sign in to your production Viva 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:

    Enable REF MB as a payment method

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

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

    Disable REF MB as a payment method

Payment method messaging

It is important that the customer is aware of the payment methods you offer via Smart Checkout, as this will increase conversion and average order values. Please see our payment method messaging guide for more details on why and where we would recommend adding this information to your site.

If desired, you can download and use this icon on your site or online store, in order to show customers you offer MULTIBANCO as a payment method:

Payment Method Icon - MULTIBANCO

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!