Multibanco

Accept payments using Multibanco, a popular payment method in Portugal.

To start accepting Multibanco payments, please contact your Customer Success manager.

Overview

Multibanco payments follow a two-step process:

  1. Request a Multibanco payment
  2. Redirect the customer

Request a payment 

The POST request

Use the details below to set up your request.

Endpoints

https://api.checkout.com/payments
https://api.sandbox.checkout.com/payments

Header parameters

HeaderValue

Authorization

REQUIRED

secret key

Use the valid secret key of your Checkout.com account. You can find this in the Hub.

Content-Type

REQUIRED

application/json

Body parameters

The table below describes the minimum recommended fields. You can find the full list, as well as complete request and response examples, in our API reference.

Field nameDescription

amount

INTEGER

REQUIRED

The payment amount

currency

STRING

REQUIRED

The currency in which the payment is being made (three-letter ISO 4217 code). Set this to EUR

source

OBJECT

REQUIRED

Details about the payment source

source.type

STRING

REQUIRED

The type of payment source. Set this to multibanco.

source.payment_country

STRING

REQUIRED

The country in which the payment instrument is issued/operated (two-letter ISO 3166 code). Set this to PT.

source.account_holder_name

STRING

REQUIRED

The account holder's name.

source.billing_descriptor

STRING

OPTIONAL

Typically, the trading name of your company or the name of your service.

Request example

{
  "amount": 100,
  "currency": "EUR",
  "source": {
    "type": "multibanco",
    "payment_country": "PT",
    "account_holder_name": "Bruce Wayne",
    "billing_descriptor": "Multibanco Demo Payment"
  }
}

The POST response

If you receive a 202 Success response with a status field set to Pending, your request was successful.

Response example

{
  "id": "pay_cdv64cky2neeljlss37yjpofzu",
  "status": "Pending",
  "customer": {
    "id": "cus_ezuq5ju3ln4udgaz6joebp3p44"
  },
  "_links": {
    "self": {
      "href": "https://api.sandbox.checkout.com/payments/pay_cdv64cky2neeljlss37yjpofzu"
    },
    "multibanco:static-reference-page": {
      "href": "https://r.girogate.de/ti/simmultibanco?tx=512308296&rs=y5XBJFK6UF0R7gcn4lcQlbtc5wD2ppQ1&cs=058d2f4cecebaf97933ac9fb465a517ab84395eca459900105526a823460a90a"
    }
  }
}

Redirect the customer 

Redirect your customer to the multibanco:static-reference-page link’s href in the response. The customer will be redirected to a Multibanco page where they can authorize the payment, before being transferred to your predefined success or failure URL.

Get details about a payment

You can use the payment_id found in the payment response, or the cko-session-id from the success/failure URL (e.g., https://www.checkout.com/order/succeeded?cko-session-id=sid_vii64oquze5u3h2x6hh4rurc4y) to retrieve details about the payment.

The cko-session-id expires 15 minutes after being created.

The GET request

Use the details below to set up your request.

Endpoints

GEThttps://api.checkout.com/payments/{payment_id}
GEThttps://api.sandbox.checkout.com/payments/{payment_id}

Header and path parameters

HeaderValue

Authorization

REQUIRED

secret key

Use the valid secret key of your Checkout.com account. You can find this in the Hub.

Content-Type

REQUIRED

application/json
PathValue

payment_id

REQUIRED

The payment ID found in the response of the initial response.

The GET response

Response example

{
  "id": "pay_cdv64cky2neeljlss37yjpofzu",
  "requested_on": "2019-09-25T06:05:22Z",
  "source": {
    "type": "multibanco",
    "service_supplier_id": "11854",
    "payment_reference": "999999919"
  },
  "amount": 100,
  "currency": "EUR",
  "payment_type": "Regular",
  "status": "Captured",
  "approved": true,
  "risk": {
    "flagged": false
  },
  "customer": {
    "id": "cus_ezuq5ju3ln4udgaz6joebp3p44"
  },
  "actions": [
    {
      "id": "act_n7qvjkcqgvlutongpq7vxshauy",
      "type": "Capture",
      "response_code": "10000",
      "response_summary": "Approved"
    }
  ],
  "_links": {
    "self": {
      "href": "https://api.sandbox.checkout.com/payments/pay_cdv64cky2neeljlss37yjpofzu"
    },
    "actions": {
      "href": "https://api.sandbox.checkout.com/payments/pay_cdv64cky2neeljlss37yjpofzu/actions"
    },
    "refund": {
      "href": "https://api.sandbox.checkout.com/payments/pay_cdv64cky2neeljlss37yjpofzu/refunds"
    }
  }
}

Testing Multibanco

To start testing, you'll need to:

  • create a test account, and
  • contact your Customer Success manager or integrations engineer to activate Multibanco payments in the sandbox environment.
  1. Create a Multibanco transaction as above, following the redirect link in the response to Multibanco's website.

  2. Select Multibanco.

  3. Click Pay now. You will be redirected to the Multibanco Simulator.

  4. Leave the Pin field blank and click Make Payment.

  5. Click Back to where you came from to be redirected to your predefined success URL.

Can we help?

Thanks for using Checkout.com. If you need help or have a question, message our Support team at support@checkout.com.