Multibanco
Multibanco is payment method that is used in Portugal. Multibanco enables consumers to pay for a range of goods or services that includes e-commerce, licences, and taxes either through bank transfer or through the Multibanco card at an ATM.
Multibanco is a supported browser payment method in the QNB ALAHLI. This page describes integration details specific to Multibanco. It's recommended that you read the integration guidelines for browser payments, before building the Multibanco integration.
Multibanco browser payments are only supported for transactions in the EUR currency.
Prerequisites
To offer Multibanco as a payment method through the QNB ALAHLI:
- You must be registered with your browser payments service provider.
- Your merchant profile on the gateway must be configured using the details of your account with the browser payments service provider.
- You must have a bank account in one of the supported currencies registered against your merchant account at your browser payments service provider.
Multibanco Integration
<<checkout>> integration allows you to collect payment details from your payer through an interaction that the gateway hosts and displays.
From the API version 65 onward, Multibanco is automatically available as a payment method once your payment service provider enables and configures you for this payment method.
For details, see Browser Payments via <<checkout>> Integration.
<<directPayment>> integration allows you to offer Multibanco payment method on your own checkout page.
Make an Initiate Browser Payment request where sourceOfFunds.type = MULTIBANCO and browserPayment.operation = PAY (the Authorize operation is not supported by Multibanco). For the standard fields, see Browser Payments via <<directPayment>> Integration.
The following fields are returned in the Initiate Browser Payment/Retrieve Transaction/Retrieve Order response after you initiate a Multibanco payment.
sourceOfFunds.provided.multibanco.entityId: Your merchant identifier at Multibanco.sourceOfFunds.provided.multibanco.paymentReference: An identifier for the Multibanco payment.
You must provide these fields to your payer to complete the payment.
Preferred Language
You can set the language that you prefer Multibanco to use for pages displayed to the payer by providing the browserPayment.preferredLanguage field in the Initiate Browser Payment request. However, the language will be used only if Multibanco supports it.
{
"apiOperation":"INITIATE_BROWSER_PAYMENT",
"browserPayment":{
"operation":"PAY",
"returnUrl":"<your_merchant_URL>"
},
"order":{
"amount":"10.00",
"currency":"EUR"
},
"sourceOfFunds":{
"type":"MULTIBANCO"
}
}
Refunds
You can refund Multibanco payments in part or in full. You must be configured for refunds on the QNB ALAHLI and on your merchant account at your payment service provider.
How to Interpret the Transaction Result
The table below shows the transaction response codes for the possible scenarios you may encounter after initiating a Multibanco payment.
Initiate Browser Payment Response |
What This Means... |
|---|---|
response.gatewayCode=SUBMITTEDresult=SUCCESS |
Redirect the payer using the URL provided in the response. |
Retrieve Transaction/Retrieve Order Response |
What This Means... |
response.gatewayCode=APPROVEDresult=SUCCESSsourceOfFunds.provided.multibanco.terminalLocationsourceOfFunds.provided.multibanco.terminalId |
The payment is successful. |
response.gatewayCode=PENDINGresult=PENDING |
The QNB ALAHLI is waiting for a notification from the acquirer about the payment result. Try RETRIEVE_TRANSACTION again later or listen to notifications from the QNB ALAHLI. |
response.gatewayCode=CANCELLEDresult=FAILURE |
The payer has cancelled the interaction for this payment. Offer the payer the option to try another payment method. |
response.gatewayCode=DECLINED or ACQUIRER_SYSTEM_ERRORresult=FAILURE |
The payment was declined. Offer the payer the option to try another payment method. In the case of an ACQUIRER_SYSTEM_ERROR you may want to inquire with the acquirer the reason for payment failure, or you can try RETRIEVE_TRANSACTION again. |
response.gatewayCode=TIMED_OUTresult=FAILURE |
Treat this as a declined payment. The gateway will make an attempt to ensure the transaction is not successful or will revert the transaction. |
Testing Your Integration
The QNB ALAHLI provides a browser payments emulator that allows you to test your Multibanco integration.