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APIs/APMs/
Multibanco

Last updated: 10 February 2026 | Change log

Multibanco

Multibanco is an interbank network in Portugal. This network is run by SIBS (Sociedade Interbancária de Serviços S.A.) and enables many services, including payment services, to be hosted.

Note

Make yourself familiar with our API principles to ensure a resilient integration.

Product overview

Feature summary

Payment typeCountryAcceptance currencyRecurringReversalsPartial reversals
Post-pay voucherPortugalEUR❌❌❌
  • Minimum Transaction Value: 1.00 EUR
  • Maximum Transaction Value: 2.500 EUR

Get started

Use our API reference and set your headers.

Request

POST https://try.access.worldpay.com/apmPayments

Example request

application/json
{
  "transactionReference": "Memory265-13/08/1876",
  "orderReference": "apm-order-12345",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "multibanco",
    "value": {
      "amount": 1600,
      "currency": "EUR"
    },
    "narrative": {
      "line1": "Joe Plumbing Ltd"
    },
    "paymentInstrument": {
      "type": "direct",
      "country": "PT"
    },
    "resultUrls": {
      "pending": "https://worldpay.com/pending",
      "success": "https://worldpay.com/success",
      "cancel": "https://worldpay.com/cancel"
    },
    "customer": {
      "email": "shopper@worldpay.com"
    }
  }
}

Parameters

transactionReferencestring[ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$required

For Bizum transaction please follow this extra regex [a-zA-Z0-9]{4,12}

orderReferencestring[ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$

A reference that you can apply to one or more payments according to your business needs. You may reuse the same reference across multiple payments, for example where:

  • the total amount for a single order is split across multiple payments
  • you use a single reference for each payment in a recurring agreement or split shipment scenario
merchantobject(MerchantV2)required
merchant.​entitystring[ 3 .. 32 ] characters^([a-zA-Z0-9\- ]*)$required

Used to route the request in Access Worldpay, created as part of on-boarding.

Example: "default"
instructionobject(InstructionV2)required

Object that contains the payment type and details.

instruction.​methodstringrequired

Type of payment method

Value"ach"
Discriminator
instruction.​valueobject(Value)required

The value of the payment.

instruction.​value.​amountinteger(int64)[ 1 .. 2147483647 ]required

The amount in the lowest denomination of the currency e.g. pennies for GBP, cents for USD.

Example: 12
instruction.​value.​currencystringrequired
Enum"AED""AFN""ANG""AOA""ARS""AUD""AWG""AZN""BAM""BBD"
instruction.​narrativeobject(NarrativeBase)required
instruction.​narrative.​line1string[ 1 .. 24 ] characters^[a-zA-Z0-9-., ]*$required

The description shown on your customer's bank statement for the payment.

Example: "MindPalace"
instruction.​paymentInstrumentobject(AchEftPaymentInstrumentV2)required
instruction.​paymentInstrument.​typestringrequired

The type of instrument.

Value"direct"
instruction.​paymentInstrument.​accountTypestringrequired

Account type.

Enum"checking""savings""corporate""corporateSavings"
Example: "checking"
instruction.​paymentInstrument.​accountNumberstring[ 1 .. 17 ] characters^[0-9]*$required

Account number of direct debit account.

Example: "123456789"
instruction.​paymentInstrument.​routingNumberstring= 9 characters^[0-9]*$required

Routing number of direct debit account.

Example: "123456789"
instruction.​paymentInstrument.​checkNumberstring[ 1 .. 15 ] characters^[0-9]*$

Check number of the direct debit account.

Example: "123456789"
instruction.​paymentInstrument.​companyNamestring[ 1 .. 40 ] characters^[0-9]*$

Company name if a corporate account.

Example: "123456789"
instruction.​paymentInstrument.​billingAddressobject(AchEftBillingAddress)required
instruction.​paymentInstrument.​billingAddress.​address1string[ 1 .. 80 ] characters
instruction.​paymentInstrument.​billingAddress.​address2string[ 1 .. 80 ] characters
instruction.​paymentInstrument.​billingAddress.​address3string[ 1 .. 80 ] characters
instruction.​paymentInstrument.​billingAddress.​citystring[ 1 .. 50 ] characters

City.

instruction.​paymentInstrument.​billingAddress.​countryCodestring
Enum"AD""AE""AF""AG""AI""AL""AM""AN""AO""AQ"
instruction.​paymentInstrument.​billingAddress.​postalCodestring[ 1 .. 15 ] characters

Postal code.

instruction.​paymentInstrument.​billingAddress.​statestring[ 1 .. 30 ] characters

State code of the billing address in ISO 3166-2 format.

Example: "US-OH"
instruction.​customerobject(CustomerDetailsAch)required
instruction.​customer.​firstNamestring[ 1 .. 22 ] charactersrequired

Your customer's first name.

instruction.​customer.​lastNamestring[ 1 .. 22 ] charactersrequired

Your customer's last name.

instruction.​customer.​customerIdstring<= 15 characters^[a-zA-Z0-9]*$

Your unique reference for the customer so that the 'pay faster next time' function can be used during checkout. This allows the shoppers chosen bank to be stored for their next payment.

Example: "44528abcd"
instruction.​customer.​emailstring

The customer's e-mail address.

Example: "customer@worldpay.com"

Response

Example response

{
  "paymentInstrument": {
    "method": "multibanco",
    "type": "direct"
  },
  "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEbSibICjg9oWBDkoVO2KwlcxPVS3no:Ih5XitYN0H06VJpX:bvbw7McvoP:E6S0L1+lDe8iZ9K6c9KAEix5K1S6AaFT9PiiV:KsP+z2Cdr9o:XFrnd4GNEHV7yDuZt9Jyqf5XZUPFYfD4fs2JzaCZKV3L7DQm7JfXl6rjXA0ubX6hJpY5kUX4Djm9+PFFKUS6+LdORYaAdburi8EX32V9tpYSSzNI+ETqS5RDlRGivjQxKM2Ks:rlczHJ2DGe1:xPRqjBWEQYSfjhGO0ig5hWkDZE8WUCW:tC4G::vVo3ySleCbEoL1DciLmD44Risvo6Qgyc2sVBwmk1yqyduyRKK6z:U2p2C6Bg4E5vMB+TefQQ==",
  "lastEvent": "pending",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEbSibICjg9oWBDkoVO2KwlcxPVS3no:Ih5XitYN0H06VJpX:bvbw7McvoP:E6S0L1+lDe8iZ9K6c9KAEix5K1S6AaFT9PiiV:KsP+z2Cdr9o:XFrnd4GNEHV7yDuZt9Jyqf5XZUPFYfD4fs2JzaCZKV3L7DQm7JfXl6rjXA0ubX6hJpY5kUX4Djm9+PFFKUS6+LdORYaAdburi8EX32V9tpYSSzNI+ETqS5RDlRGivjQxKM2Ks:rlczHJ2DGe1:xPRqjBWEQYSfjhGO0ig5hWkDZE8WUCW:tC4G::vVo3ySleCbEoL1DciLmD44Risvo6Qgyc2sVBwmk1yqyduyRKK6z:U2p2C6Bg4E5vMB+TefQQ=="
    }
  },
  "_actions": {},
  "redirect": "http://secure-test.worldpay.com/redirect?tokenId=607aa358-f5ef-4ac8-bd66-d7d5e92a5169",
  "commandId": "cmdQWhyosPRf9MP3x9LKqAvw0"
}

Schema

paymentIdstring

The identifier of the payment resource.

lastEventstring
Enum"authorized""cancelFailed""cancelled""cancelRequested""sentForSettlement""sentForAuthorization""settlementFailed""chargebackReversed""chargedBack""disputeExpired"
_linksobject(Links)

Links to resources related to the request.

_actionsobject(Actions)
redirectstring

The URL to redirect your customer to.

paymentInstrumentobject(PaymentInstrumentResponse)
commandIdstring

An action ID generated by us identifying a single merchant interaction

Example: "cmdYNdIHBPJwbkjLiykzTx0"
Additional information
ParameterExampleDescription
Multibanco reference679+115+881The payment reference that the shopper must use to complete the payment.
Multibanco entity11893The entity reference that the shopper must use to complete the payment.
Payment amount100The amount that the shopper should pay, expressed in minor currency units. For example, 100 = 100 Euro cents.
Payment currencyEURThe currency corresponding to the PaymentAmount.

In the above example, you must display a message of the following form to the shopper:

"To complete your payment, please make a deposit using the details below. To avoid delays in your payment being processed, please ensure that you use the exact details and payment amount shown below. You can pay through your Internet bank or at an ATM. Reference: 679115881 Entity: 11893 Amount: EUR 1"

Pending URL example: http://www.worldpay.com/pendingURL?orderKey=BIBIT^DEMO^Example_Multibanco_Order&status=OPEN&multibancoReference=679+115+881&multibanco_Entity=11893&multibancoPaymentAmount=100&multibancoPaymentCurrency=EUR

Errors

Check out our API reference for more responses or error codes.

Next steps

Manage your Multibanco payment