Payment Gateway

EuPago — Portugal's First Open Banking Gateway

Accept Multibanco, MB Way, credit cards, and Direct Debit via EuPago — Portugal's pioneering Open Banking payment gateway with PSD2 compliance and failover notifications.

Enable This Extension Book a Demo

The Problem

Why does this extension exist?

Modern Portuguese operators want payment innovation beyond basic Multibanco references. EuPago brings Open Banking to Portugal — enabling instant bank-authorised payments without card details. This means zero chargebacks, lower fraud rates, and instant settlement. Operators who rely only on traditional payment methods are missing out on the next generation of Portuguese payment technology.

The Solution

What you get

Open Banking instant bank transfer — Portugal's first Open Banking gateway, enabling bank-authorised payments without card details
Multibanco references with configurable auto-expiry — the standard Portuguese ATM payment method
MB Way mobile push payments with failover notifications — automatic retry if the initial push is pending or declined
Cofidis Pay — Buy Now Pay Later (BNPL) for larger charging or subscription invoices
Direct Debit with SEPA mandates — recurring billing for subscriptions and fleet accounts
Full PSD2 compliance with 3DS2 for card payments and automatic SCA handling

🎯 Who is this for?

Forward-thinking Portuguese operators who want cutting-edge payment options including Open Banking for instant bank-authorised payments — and want to reduce payment failures through smart failover.

Enable This Extension Browse All Marketplace

🔌 Modular by design

Enable or disable per tenant. Pay only for what you use. All marketplace extensions integrate seamlessly.

Key Capabilities

Everything included

Open Banking Payments

Portugal's first Open Banking gateway. Instant bank-authorised transfers — no card details, zero chargebacks, instant settlement directly from bank accounts.

Multibanco References

Generate ATM payment references with configurable expiry. Auto-reconciliation when the driver pays at any ATM or homebanking app in Portugal.

MB Way + Failover

MB Way push with automatic failover notification. If the first push is declined or times out, EuPago triggers a retry — reducing payment failures by up to 71%.

Direct Debit SEPA

SEPA Direct Debit mandates for recurring billing. Perfect for eMSP subscriptions, fleet monthly invoices, and auto-topup wallet charging.

Cofidis BNPL

Buy Now Pay Later via Cofidis Pay. Offer installment payments for larger charging sessions, seasonal subscriptions, or high-value fleet invoices.

PSD2 Compliant

Full PSD2 and 3DS2 compliance. Automatic SCA handling for all card payments with intelligent exemption management to reduce friction.

Use Cases

See it in action

How Portuguese operators use EuPago's innovative payment stack.

Porto CPO uses Open Banking for instant corporate payments

A Porto-based CPO enables EuPago Open Banking for corporate clients. Clients authorise payments directly from their business bank account — no card required, instant settlement, and zero chargebacks. Corporate payment disputes drop to zero.

eMSP subscriptions via Direct Debit

An eMSP sets up SEPA Direct Debit mandates via EuPago for all subscription customers. Monthly failed payment rate drops from 8.4% to under 0.9%. Involuntary churn decreases significantly as payment failures were the leading cause.

Cofidis BNPL for expensive charging sessions

A CPO running fast DC chargers offers Cofidis Pay via EuPago for sessions over €20. Drivers choose installments instead of abandoning the session. Average session value increases by 22% as drivers charge fully instead of partially.

MB Way for retail drivers with failover

A retail CPO enables MB Way via EuPago with failover notifications. When a driver doesn't respond to the first push, a second notification is sent automatically. Payment completion rate increases from 78% to 94%.

Simulated Case Study

Porto CPO cuts payment failures by 71% with EuPago's failover notification system

A CPO operating 85 chargers across Porto and Braga was experiencing a 24% MB Way payment failure rate — drivers who initiated payment but didn't approve the push notification. After enabling EuPago's failover notification system, a second push was sent automatically after 60 seconds. Payment completion rate increased from 76% to 96%. Monthly revenue recovered by €31,000 through previously failed payments. Corporate Open Banking adoption reached 34% of all B2B transactions within 60 days.

-71%

Payment failures

2.3M

Multibanco transactions/month in PT

First

PT Open Banking gateway

PSD2

Fully compliant