MB WAY & Portuguese E-Commerce Payment Methods 2026: Multibanco, PayPal, Stripe & Open Banking Guide

The 2026 Portuguese Payment Landscape at a Glance

No other country in Western Europe has a single domestic switch (SIBS) with the breadth Portugal enjoys: ATMs, POS terminals, online checkouts, P2P, instant credit transfers and even tax / utility bill payments all run on one shared infrastructure. The six anchor methods of 2026 are summarised below.

1. MB WAY — Portugal's Dominant P2P Mobile Wallet

MB WAY at a Glance

MB WAY is the single most distinctive payment instrument in Portuguese e-commerce — a mobile-first interbank wallet operated by SIBS (Sociedade Interbancária de Serviços), the company that has run the Multibanco network since 1985. Launched in September 2014, MB WAY lets any Portuguese bank customer register their phone number against one or more of their cards and then transact P2P, online and in-store from a single app. By 2026 the service counts more than 4 million active users, roughly 40% of Portugal's adult population, and processes upwards of ~42% of Portuguese e-commerce checkouts.

The crucial fact for cross-border merchants: MB WAY is not a single bank's product. It is an interbank shared service offered identically to customers of Caixa Geral de Depósitos, Millennium BCP, Santander Totta, Novo Banco, BPI, Crédito Agrícola, Banco Best, ActivoBank, Bankinter PT and the entire Portuguese banking system. That breadth is why MB WAY became a cultural default in roughly five years.

How MB WAY Checkout Works

1. Shopper selects MB WAY at checkout and enters their phone number
2. The SIBS rail pushes an authorisation request to the shopper's MB WAY app
3. Shopper opens the app, reviews amount + merchant, and approves with PIN or biometrics (SCA-compliant)
4. Authorisation returns to the merchant in 5–60 seconds typically
5. Funds settle to the merchant's PSP within standard SEPA windows

The flow is entirely card-data-free for the merchant — MB WAY behaves like an instant credit transfer wrapped in a wallet UX, which is part of why Portuguese shoppers trust it more than direct card entry.

MB Net — Virtual Cards from MB WAY

MB Net is a Multibanco-issued virtual card service — a one-time or limited-use Visa/Mastercard number generated against a real Multibanco account, available via every Portuguese home-banking app and via MB WAY since 2019. MB Net protects real card details from being exposed to merchants and dramatically reduces card-not-present fraud. It is heavily used by older Portuguese shoppers who distrust direct card entry, and it appears in merchant systems as a regular Visa/Mastercard transaction — no special integration required.

MB WAY Parcelamento (Instalments)

Since 2022, MB WAY supports parcelamento (instalment plans) for purchases above EUR 50 — typically 3, 6, 12 or 24 month splits, with the credit underwritten by the shopper's issuing bank. For mid-ticket consumer electronics, fashion and furniture, MB WAY parcelamento has become a meaningful BNPL alternative to Klarna and SeQura, with the advantage that the shopper's existing bank relationship handles credit, not a third-party.

2. Multibanco — Portugal's Universal ATM Card Network

From 1985 to a National Default

Multibanco is the most successful piece of Portuguese fintech infrastructure ever built. Launched in September 1985 by SIBS as a shared ATM network between Portugal's banks, it absorbed national card switching, POS acquiring and online banking over the following decades. Today essentially every Portuguese bank account is automatically tied to a Multibanco debit card (the iconic "MB" logo), and the ~12,000 Multibanco ATMs offer a uniquely wide menu of services: cash withdrawal, mobile top-up, ticket purchase, tax payment, utility bill payment, charity donation and, of course, e-commerce reference payment.

The Multibanco Reference for E-Commerce

For online stores, Multibanco is exposed via the reference payment mechanism. The merchant's PSP (Stripe, SIBS Pay, Easypay, etc.) generates a three-tuple:

• Entidade — 5-digit merchant identifier (e.g. 11202)
• Referência — 9-digit per-order reference (e.g. 123 456 789)
• Montante — exact amount in EUR

The shopper pays this reference at any Multibanco ATM, in any home-banking app or website, or via the MB WAY app. The merchant receives an asynchronous confirmation webhook the moment payment clears (typically within seconds, max 24 hours). No card data is exchanged. No SCA is required because the shopper has already authenticated against their bank to access ATM or home banking.

Multibanco Commission Structure 2026

Multibanco is the cheapest meaningful payment method in Portugal for mid-to-high-ticket orders. SIBS charges merchants a flat per-paid-reference fee, with no percentage component. Typical 2026 economics (varies by PSP and volume):

For any order above roughly EUR 30–40, Multibanco is cheaper than a card transaction (which carries ~1.4% + EUR 0.25 typical Stripe European fee, i.e. ~EUR 0.67 on a EUR 30 order). For a EUR 500 order, Multibanco saves the merchant EUR 5–7 versus card.

Why Portuguese Shoppers Love Multibanco References

• No card data exposure — references are paid inside the bank's own app
• Asynchronous — shoppers can pay at their convenience within 24h (or longer if merchant configures)
• Universal trust — every PT adult has used Multibanco since childhood
• No chargebacks — once paid, funds are final, unlike cards

3. Visa & Mastercard — International Card Acceptance

Cards in the Portuguese Mix

Despite SIBS dominance, Visa and Mastercard remain essential — accounting for roughly 18% of Portuguese e-commerce checkouts in 2026 and the overwhelming majority of cross-border purchases by foreign tourists or expatriates. Most Portuguese-issued cards are dual-branded: a single physical card carries both the Multibanco / MB logo (for domestic SIBS rails) and the Visa or Mastercard logo (for international acceptance). At checkout, the network used depends on the merchant — domestic SIBS for PT merchants, Visa/Mastercard for foreign ones.

SCA / 3-D Secure 2.x — Mandatory Under PSD2

Since the EU's PSD2 (Payment Services Directive 2) SCA mandate took full effect, every Portuguese card transaction above EUR 30 must be authenticated via Strong Customer Authentication — two-factor confirmation typically via the bank's app (biometric + PIN), SMS one-time-passcode (now largely deprecated), or token. Implementation is via 3-D Secure 2.x, the EMVCo standard that replaces the older 3DS 1.x flow. Modern PSPs (Stripe, Adyen, SIBS Pay) handle 3DS 2.x automatically — including frictionless flows when the issuer can risk-score the transaction without an extra step.

Acquirer Fees 2026

The Wallet Tokenisation Layer

Apple Pay and Google Pay ride on Visa/Mastercard rails — they wrap the card credentials in a device-bound token, allowing biometric SCA without showing the merchant the PAN. From a merchant perspective, a wallet transaction is processed identically to a regular card transaction. By 2026 wallet share has reached 18–22% of card volume at Portuguese checkout, with Apple Pay slightly ahead of Google Pay in iOS-heavy demographics.

4. PayPal Portugal — Buyer Protection & Cross-Border

PayPal in Portugal — Long-Established, Still Relevant

PayPal has been live in Portugal since 2007 and is the country's longest-running non-bank online wallet. By 2026 PayPal Portugal counts an estimated 2.5M+ active Portuguese accounts and roughly 5% of Portuguese e-commerce checkout volume. While Multibanco and MB WAY dominate domestic shopping, PayPal remains the default for two key segments: cross-border purchases (especially from US/UK merchants) and protection-sensitive shoppers who value the buyer protection programme.

PayPal Fees in Portugal 2026

When to Enable PayPal Alongside Stripe

The 2026 best-practice configuration is Stripe (MB WAY + Multibanco + cards + wallets + Klarna) as primary, with PayPal as a secondary button on the checkout. PayPal adds 3–5% of incremental conversion from buyer-protection-sensitive segments and from cross-border shoppers reluctant to type a card number. Removing PayPal entirely typically costs 2–4% of total conversion — measurable but not catastrophic. Most merchants keep PayPal as a "trust signal" button.

5. Stripe Portugal — The Developer-First Gateway

Launch and Coverage

Stripe launched in Portugal in September 2018 and rapidly became the technical standard for modern e-commerce checkouts. By 2026 Stripe Portugal supports natively, behind a single API and a single contract:

• Cards — Visa, Mastercard, Amex with 3DS 2.x
• MB WAY — added 2020, fully native
• Multibanco — reference generation native since 2020
• Apple Pay & Google Pay — wallet tokenisation native
• Klarna — Pay in 30 / Pay in 3 / financing
• SEPA Direct Debit — for subscriptions and high-ticket B2B
• Bancontact, iDEAL, Sofort, Giropay, EPS — for cross-border EEA shoppers

Stripe Portugal Standard Fees 2026

• EEA cards — 1.4% + EUR 0.25 per successful charge
• UK / non-EEA EU cards — 2.5% + EUR 0.25
• International cards — 3.25% + EUR 0.25
• MB WAY — typically 1.5% + EUR 0.25 (Stripe pricing varies by volume)
• Multibanco — flat EUR 0.50–0.80 per paid reference
• SEPA Direct Debit — 0.8% capped at EUR 5 per charge
• Klarna — 3.29% + EUR 0.30 (Pay in 30, Pay in 3)
• Payouts — to SEPA IBANs (any EEA) within 1–3 working days, no extra fee

Why Stripe Portugal Won the Tech-Forward Segment

Three factors drove Stripe's rise: a single contract covering ten+ methods, industry-leading developer documentation with idiomatic libraries for every major language, and Stripe Tax (live in Portugal 2022) which calculates and remits IVA (Portuguese VAT) automatically. For SaaS, subscriptions and modern DTC brands, Stripe is the default. For traditional merchants with deeper SIBS heritage (the local supermarkets, utility billers), SIBS Pay remains the incumbent.

6. SIBS Pay — The Native Portuguese Gateway

Who Is SIBS?

SIBS (Sociedade Interbancária de Serviços) is the joint-venture company owned by Portugal's banks, founded in 1983. It is the operator of the Multibanco network (since 1985), the MB WAY wallet (since 2014), the MB Net virtual-card service, the Portuguese RAS (Real-time Acquiring Switch) and a long list of payment-related infrastructure. SIBS Pay is its merchant-facing gateway — a single API exposing every SIBS-rail method plus international cards.

SIBS Pay vs Stripe vs Easypay/Eupago/IfThenPay

• SIBS Pay — direct from the rail operator; best Multibanco economics at high volume; traditional / utility merchants
• Stripe Portugal — developer-first; broader international method coverage; ideal for SaaS and modern DTC
• Easypay (Lisbon) / Eupago (Porto) / IfThenPay (Aveiro) — PT-native PSPs with lower entry barriers than direct SIBS contracts
• HiPay — French international PSP with strong PT/ES coverage and multi-acquirer routing

The Hybrid 2026 Stack

Most ambitious Portuguese merchants run a hybrid: Stripe for international cards and subscriptions, plus SIBS Pay (or Easypay/Eupago) for Multibanco at the cheapest direct rail price. Zunapro orchestrates the routing with a single ledger and a single SAF-T (PT) export.

7. Apple Pay & Google Pay — Wallets at Portuguese Checkout

Apple Pay in Portugal

Apple Pay launched in Portugal with major banks supporting it from launch: Millennium BCP, Santander Totta, Novo Banco, Caixa Geral de Depósitos, ActivoBank, BPI, and over time virtually every Portuguese bank. Apple Pay is processed as a standard Visa/Mastercard token transaction with biometric (Face ID / Touch ID) SCA built in — no extra step required. Enable on Stripe / SIBS Pay / Adyen via a single configuration flag.

Google Pay (Google Wallet) in Portugal

Google Wallet (the rebranded Google Pay) is supported by every major Portuguese bank for Android phones. Like Apple Pay it tokenises the underlying Visa/Mastercard credentials and provides built-in biometric SCA. Merchant configuration is identical to Apple Pay — most PSPs offer both together as "Wallets" in the dashboard.

2026 Wallet Share

By 2026, Apple Pay + Google Pay together account for roughly 18–22% of Portuguese card-rail transactions. The share is higher in younger demographics (urban Lisbon and Porto, under-35) and lower among older shoppers who prefer MB Net or Multibanco reference. Enabling wallets typically delivers a measurable +3–5% mobile conversion lift because the wallet flow shortens checkout from card-entry-plus-SCA to a single biometric tap.

8. BNPL in Portugal — Klarna, SeQura, Aplazame & Cetelem

The Rise of "Compre Agora, Pague Depois"

Buy Now, Pay Later (Portuguese: "compre agora, pague depois") entered the Portuguese mainstream around 2021 and has grown to roughly 8–12% of e-commerce transactions by 2026 — slightly below the EU average but climbing fast. The market is split across four players plus the rapidly-emerging MB WAY parcelamento.

Klarna

Klarna launched in Portugal in 2021 with its core "Pay in 30 days" and "Pay in 3" instalment products. By 2026 Klarna has integrated with most large Portuguese fashion and electronics retailers; conversion lift on enabled merchants is typically +10–18% on mid-ticket orders. Merchant fee is around 3.29% + EUR 0.30 per transaction (Stripe pricing). Klarna handles credit underwriting and absorbs default risk.

SeQura

SeQura is the Spanish-founded BNPL specialist that dominates the Iberian peninsula. Operating in Portugal since 2019, SeQura's "Divide tu pago" / "Divida o seu pagamento" product offers 3 or 6 instalment splits with seamless Portuguese-language UX. Strongest in fashion, footwear, beauty and small electronics verticals. Merchant fee is comparable to Klarna at ~3–4%.

Aplazame & Cetelem — Longer-Term Credit

Aplazame (owned by WiZink, the Iberian consumer-credit bank) offers 6 to 24 month instalment plans for items above EUR 200 — strong in furniture, large appliances and consumer electronics. Cetelem (a BNP Paribas brand) is the traditional consumer-credit specialist with a long Portuguese history; at checkout it offers 3 to 60 month plans, sometimes with a small APR, common in large appliances, motorbikes, mattresses and travel.

MB WAY Parcelamento as a 5th BNPL

As noted earlier, MB WAY parcelamento increasingly competes with third-party BNPL — the shopper splits the purchase via their own bank, no third-party signup needed. Expect MB WAY parcelamento share to grow steeply through 2026–2027.

9. Faturação Electrónica & B2B — AT, ATCUD, SAF-T (PT)

Portugal's Long-Running E-Invoicing Mandate

Portugal has been a pioneer in e-invoicing compliance. The SAF-T (PT) standard — Portuguese implementation of the OECD Standard Audit File for Tax — has been mandatory for VAT-registered businesses since 2008. B2G (business-to-government) e-invoicing in the CIUS-PT (UBL 2.1) format has been mandatory since 2021. B2B e-invoicing is expanding in 2026 to cover all VAT taxpayers above a turnover threshold, fully aligning Portugal with the EU's "ViDA — VAT in the Digital Age" trajectory.

The ATCUD + QR Code Stack

Every invoice issued by Portuguese e-commerce since January 2023 must contain:

• ATCUD — a unique document code in the format CSV-NNNN (CSV = AT-assigned series validation code; NNNN = sequential within the series)
• QR code — encoding the issuer's NIF, document type, ATCUD, total amount, total IVA and the document hash, in the canonical AT-defined format
• Document hash — RSA-signed hash linking each invoice to the previous one in the series (the "chaining" requirement)
• Certified billing software — the issuing application must be on AT's list of certified billing software (Programas Informáticos de Faturação Certificados)

SAF-T (PT) Monthly Reporting

Every month, VAT-registered Portuguese businesses must submit a SAF-T (PT) XML file to AT containing the full ledger of sales documents issued in the period. From 2026 the file additionally carries the ATCUD and QR code data for each invoice. Manual SAF-T (PT) generation is impractical at marketplace volumes — modern billing platforms generate it as a background job.

How Zunapro Handles Portuguese B2B Compliance

Zunapro integrates with AT-certified billing partners (Moloni, InvoiceXpress, PHC, Sage and direct certified software) to produce:

• Compliant fatura/recibo for every marketplace order, with ATCUD + QR code embedded
• Chained hash linking each new invoice to the previous one
• Monthly SAF-T (PT) export ready to submit to AT's portal
• B2B CIUS-PT output for business-customer e-invoice exchange

10. Cryptocurrency in Portuguese E-Commerce — Growing but Niche

Portugal's Crypto-Friendly History

Portugal was for years one of Europe's most crypto-friendly jurisdictions. Personal capital gains from cryptocurrency were untaxed under Portuguese law until January 2023, when a 28% capital-gains tax was introduced on short-term (under one year) crypto disposals; long-term holdings remain favourably treated. This light-touch history attracted a substantial crypto-resident community (especially in Lisbon and the Algarve), and indirectly built a base of crypto-comfortable shoppers.

MiCA — The EU Regulatory Backbone

The EU's MiCA (Markets in Crypto-Assets Regulation) is fully in force across the EU from 2024/2026 and applies in Portugal. MiCA standardises crypto-asset service provider (CASP) licensing across Europe — gateways like BitPay, Coinbase Commerce, Binance Pay and CoinGate now operate under a single EU passport. Banco de Portugal oversees CASPs registered in Portugal.

Merchant Acceptance Stack

• BitPay — long-running merchant gateway; BTC, BCH, ETH, USDT, USDC; settles to EUR daily
• Coinbase Commerce — major exchange's merchant arm; broad token support
• Binance Pay — Binance's merchant pay; growing fast in EU; very low fees
• CoinGate & Triple-A — Lithuanian / Singaporean PSPs with instant EUR settlement

2026 Share and Use Cases

Crypto's share of Portuguese checkout volume is still under 1%, but skews disproportionately high-ticket — luxury, electronics, travel and SaaS subscriptions — with median crypto order value 2–4× the median EUR order. Settlement is via instant EUR conversion (no token volatility risk).

Portuguese Payment Fees Comparison 2026 — All Methods

The single most useful artefact for choosing your checkout configuration is a side-by-side fee view. The table below summarises 2026 typical merchant fees for every method discussed in this guide.

Method	Percentage Fee	Fixed Fee	Notes
MB WAY	~1.0% – 1.5%	€0.10 – €0.25	Varies by PSP; SIBS Pay direct is cheapest
Multibanco Reference	0%	€0.30 – €0.80	Flat per paid reference; cheapest above EUR 30
Visa / Mastercard (EEA)	1.4% – 2.0%	€0.25	Stripe EEA standard; 3DS 2.x SCA mandatory > EUR 30
Visa / Mastercard (Non-EEA)	2.5% – 3.25%	€0.25	Higher interchange; FX may add 1–2%
Apple Pay / Google Pay	same as card	same as card	Rides on Visa/Mastercard rails; biometric SCA
PayPal Domestic	2.49%	€0.35	EUR EEA; buyer-protection programme included
SEPA Direct Debit	0.8%	capped at €5	Stripe; for subscriptions and high-ticket B2B
Klarna BNPL	3.29%	€0.30	Pay in 30 / Pay in 3 / financing; Klarna underwrites
SeQura BNPL	~3% – 4%	€0.30	Iberian leader; 3/6 splits; strong in fashion
Crypto (BitPay/Coinbase)	~1.0%	varies	Instant EUR settlement; no volatility risk

Reading the table: Multibanco is the cheapest for orders above EUR 30. MB WAY is the cheapest and highest-conversion option below EUR 30. Cards remain essential for cross-border but carry the highest variable cost. Wallets (Apple/Google Pay) cost the same as cards but lift mobile conversion +3–5%. PayPal is expensive but adds incremental trust. Klarna and SeQura cost roughly twice the Multibanco rate but deliver +10–18% conversion lift on mid-ticket where they win.

Portuguese Payment Legal Framework 2026

Banco de Portugal & ASF — The Supervisors

Banco de Portugal (BdP) supervises payment institutions, credit institutions and crypto-asset service providers under EU and national law. ASF (Autoridade de Supervisão de Seguros e Fundos de Pensões) supervises insurance-linked payment products. Most online merchants do not need a BdP licence themselves — they use a licensed PSP (Stripe, SIBS Pay, Easypay, Eupago) that takes regulatory responsibility for the payment flow.

PSD2 — Strong Customer Authentication

The EU's PSD2 (Payment Services Directive 2) mandates SCA for electronic payment transactions above EUR 30 (with carved-out low-value, recurring and trusted-merchant exemptions). Portugal implemented PSD2 via Decree-Law 91/2018. In practice every Portuguese card / MB WAY transaction above EUR 30 must show a two-factor authentication step. Modern PSPs handle this via 3DS 2.x (cards) or the wallet app push (MB WAY, Apple/Google Pay).

PSD3 — The Coming Update

The European Commission's PSD3 proposal, advancing through legislative readings in 2024–2026, will tighten fraud-liability rules, expand open-banking interfaces and consolidate PSD2 + EMD2. Expected national transposition window is 2026–2027.

Open Banking — PSD2 AISP & PISP

Under PSD2, banks must expose AISP (Account Information Service Provider) and PISP (Payment Initiation Service Provider) APIs that licensed third parties can use to read account data (with consent) or initiate payments directly from a shopper's bank account (with strong authentication). In Portugal these APIs are provided by every major bank and aggregated by SIBS' SIBS API Market. Stripe's "Bank transfers" product and several Portuguese fintechs (e.g. Coverflex, Anchora) ride on these rails.

Consumer Protection — RGPD, DECO, 14-Day Return

• GDPR / RGPD — EU General Data Protection Regulation, enforced in Portugal by CNPD (Comissão Nacional de Proteção de Dados). Payment data falls under GDPR + PCI-DSS for card storage.
• DECO — Portuguese consumer-protection association, frequently invoked in payment dispute mediation
• 14-day right of withdrawal — Portuguese consumers may return any distance-purchased product within 14 days, no reason required (EU Directive 2011/83/EU, transposed in Decree-Law 24/2014)
• 2-year statutory guarantee — Portuguese civil law imposes a two-year statutory consumer guarantee on B2C sales (Decree-Law 84/2021, transposing EU Directive 2019/771)

Anti-Money Laundering (AML)

Portugal applies the EU's 5th and 6th Anti-Money Laundering Directives via Law 83/2017. PSPs must run KYC on every merchant — Stripe, SIBS Pay and any PSP will require company documents and beneficial-owner identification. Onboarding typically takes 2–5 business days at modern PSPs.

How to Build a Portuguese Checkout — 2026 Step-by-Step

1. Choose Your Method Mix (Decision Tree)

• Anything above EUR 30 in Portugal → MB WAY + Multibanco + cards is the baseline
• Mobile-heavy traffic (>50%) → add Apple Pay + Google Pay
• Cross-border → add PayPal + Stripe international cards
• Mid-ticket fashion / electronics → add Klarna or SeQura
• High-ticket (>EUR 500) → add Aplazame or Cetelem instalments
• Subscriptions / B2B → add SEPA Direct Debit via Stripe

The typical winning configuration in 2026 is Stripe Portugal (cards + MB WAY + Multibanco + wallets + Klarna) plus a PayPal button — eight to nine methods behind two contracts.

2. Choose Your PSP(s)

• Stripe Portugal — best for SaaS, modern DTC, developer-led teams. Single contract, single API.
• SIBS Pay — best for traditional / high-volume merchants where Multibanco reference economics matter most.
• Easypay / Eupago / IfThenPay — best for SMEs and WordPress/WooCommerce-based shops needing PT-native support.
• Hybrid (Stripe + SIBS direct) — best for high-volume merchants who want Stripe's developer experience for cards and SIBS' direct Multibanco economics.

3. Portuguese Entity vs OSS

You have three legal-entity options:

• Portuguese ENI (Empresário em Nome Individual) — sole proprietorship; set up in ~1–2 days via Portal das Finanças; lowest overhead
• Portuguese Lda. (Sociedade por Quotas) — limited liability company; minimum EUR 1 capital under "Empresa na Hora" rules; ~1 week to register
• Foreign EU entity + OSS — keep your existing EU company, register for One Stop Shop VAT, sell into Portugal without a Portuguese establishment

4. NIF, IVA & AT Certification

Whichever entity you choose, you need:

• NIF (Número de Identificação Fiscal) — Portuguese tax number, issued by AT
• IVA registration — standard rate 23% (Mainland), 22% (Madeira), 16% (Azores); reduced 6% / 13% for specific categories
• Certified billing software — your invoice system must be on AT's certified list and produce ATCUD + QR code on every invoice
• SAF-T (PT) monthly upload — automated XML submission to AT's portal

5. SCA / 3-D Secure 2.x Implementation

Whichever PSP you choose, ensure 3DS 2.x is enabled with frictionless flow tuning:

• Stripe — set requestThreeDSecure: 'automatic' and pass radar.session
• SIBS Pay — enable 3DS 2.x ARES handler in the merchant portal
• Always pass browser_info, cardholder_email, billing_address to maximise frictionless eligibility
• Monitor authorisation rates monthly; target 95%+ for EEA cards

6. Connect via Zunapro (10-Minute Integration)

1. Sign in to Zunapro and open the Portugal module
2. Connect your PSPs — paste Stripe API keys, SIBS Pay credentials and/or Easypay/Eupago tokens
3. Enable methods — toggle MB WAY, Multibanco, cards, PayPal, Klarna, SeQura, wallets one by one
4. Connect billing software — link Moloni / InvoiceXpress / PHC / Sage for ATCUD + QR + SAF-T (PT) automation
5. Configure SCA — set 3DS 2.x defaults via the Zunapro SCA wizard
6. Go live — first end-to-end test order completes in roughly 5 minutes

Portuguese Payments FAQ 2026