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MultibancoPortugal

Get paid with
Multibanco.

Portugal customers pay with Multibanco — a voucher-based payment method.

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Studio Sol
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Total
€100.00
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Pay with Multibanco
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Pay €100.00
Definition

What is Multibanco?

Multibanco is a cash-based voucher payment method in Portugal — customers receive a code and pay with cash at a partner store.

Multibanco is a cash payment method in Portugal that bridges online checkout and offline cash. The customer opens a payment link, picks Multibanco, and receives a barcode or reference. They take it to a partner store, pay in cash, and the order confirms automatically. Portugal customers pay with Multibanco — a voucher-based payment method.

With PayRequest, Multibanco appears as a payment option on every link you send. Once the customer pays the cash, settlement reaches your provider account within 1–3 business days and your invoice is marked paid automatically — no manual reconciliation needed.

Voucher methods like Multibanco can represent 20–30% of e-commerce in markets where they're popular, reaching unbanked customers who can't pay with cards. PayRequest charges 0% on top.

Why Multibanco

Everything you need. Nothing extra.

Reach the unbanked
Customers without cards or bank accounts can still pay you — at any partner store.
Generate a voucher
Customer gets a barcode or reference number; pays in cash at a convenience store.
Confirms automatically
Once the cash is paid, your link confirms the order — no manual reconciliation.
Massive in some markets
Voucher methods are 20–30% of e-commerce in markets like Mexico, Brazil and Japan.
No fraud risk
Cash payments are final — no chargebacks possible.
Fast settlement
Funds reach you within 1–3 business days of cash payment.
Multibanco payment link

One link. Multibanco ready.

  • Customers without cards or bank accounts can still pay you with Multibanco
  • Multibanco is huge in its home market — offering it can lift conversion 10–20%
  • No risk for you — cash is final, no chargebacks possible
  • Same link offers Multibanco to local customers and card / wallet to everyone else
  • Pair with digital product delivery — confirmation triggers fulfilment automatically
Start free
3 steps
01
Create your link
Set the amount, add a description, choose Multibanco as a payment method.
02
Share anywhere
WhatsApp, email, SMS, QR — copy the link, paste anywhere.
03
Get paid
Customer taps the link, pays with Multibanco, money lands in your account.
FAQ

Multibanco payment links

How does a Multibanco payment link work?
Create a link in PayRequest. Your customer opens it, picks Multibanco, and receives a voucher (barcode or reference). They take it to a partner store, pay in cash, and your link confirms automatically.
What does Multibanco cost?
Multibanco fees come from your provider — typically a small flat fee or low percentage. PayRequest charges 0% on top.
How long until I see the money?
Once the customer pays the cash, settlement to your provider account is typically 1–3 business days.
Why offer Multibanco?
Cash-based vouchers reach customers without cards or bank accounts. In Portugal, voucher methods can be 20–30% of e-commerce — offering it lifts conversion meaningfully.
Is there any chargeback risk with Multibanco?
No — cash payments are final by definition. Once your provider confirms the voucher was paid, the money is yours.

Send a Multibanco link in 60 seconds

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