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Payment Gateway

IfthenPay — Portugal's Full Payment Stack

Accept Multibanco, MB Way, Payshop cash payments, and credit cards through Portugal's leading multi-method payment gateway — all in one integration.

The Problem

Why does this extension exist?

EV operators in Portugal need all Portuguese payment methods in one place. Multibanco is how most Portuguese pay bills. Payshop serves unbanked users at 4,500+ cash agent locations. MB Way is the go-to mobile payment. Without IfthenPay, you need separate integrations for each method — costly, time-consuming, and fragile.

The Solution

What you get

  • Multibanco — generate ATM payment references instantly for any amount, the most-used bill-payment method in Portugal
  • MB Way — push notification payments approved in under 4 seconds directly on the driver's phone
  • Payshop — Portugal's cash agent network with 4,500+ locations, reaching unbanked and cash-preferring drivers
  • Credit card processing for Visa and Mastercard with full 3DS2 compliance
  • Pay By Link (PINPAY) — send payment links via SMS or email for invoice-based and fleet billing
  • Automatic callbacks and real-time notifications on every payment event across all methods
🎯 Who is this for?

Portuguese CPOs and eMSPs that want full coverage of all Portuguese payment preferences — from banked to unbanked drivers, from ATM to mobile.

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🔌 Modular by design

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

Key Capabilities

Everything included

Multibanco References

Generate ATM payment references on demand. The standard way Portuguese businesses collect payments — accepted at every ATM and online banking app in Portugal.

MB Way Push

Instant push notification payments. The driver approves on their phone in under 4 seconds — no card entry, no redirect, frictionless mobile checkout.

Payshop Cash Network

4,500+ cash agent locations across Portugal. Accept cash payments from unbanked drivers or those who prefer to pay in person.

Credit Card Processing

Visa and Mastercard with full 3DS2 / PSD2 compliance. SCA triggered intelligently for minimum friction on low-risk transactions.

Pay By Link (PINPAY)

Send payment links via SMS or email. Ideal for fleet billing, corporate invoices, and any scenario where drivers aren't present at checkout.

Automatic Callbacks

Real-time webhooks and notifications on every payment event. OASIS HUB updates session and billing status automatically across all payment methods.

Use Cases

See it in action

How Portuguese operators use IfthenPay to reach every type of driver.

Lisbon CPO accepts Multibanco from corporate clients
A Lisbon-based CPO enables Multibanco via IfthenPay. Corporate clients receive ATM references on their invoices and pay at any ATM in Portugal. Payment reconciliation is fully automated — no manual bank transfer matching.
Unbanked driver uses Payshop cash agent
A driver without a bank account tops up their OASIS HUB wallet using Payshop at a local newsagent or post office. IfthenPay notifies OASIS HUB instantly when the cash payment is confirmed.
MB Way push approval in seconds
A driver pays for a charging session via MB Way. The push notification arrives on their phone, they approve with biometrics, and the session starts in under 4 seconds — no card entry, no redirect.
Pay By Link for invoice-based fleet billing
A fleet manager receives a monthly OASIS HUB invoice with a PINPAY link. They click, pay by Multibanco or card, and the fleet account is settled instantly — no manual bank transfer or cheque required.
Simulated Case Study

Portuguese CPO achieves 96% payment coverage with IfthenPay's full payment stack

A CPO operating 120 chargers across Lisbon and Porto was accepting only credit cards — reaching roughly 55% of potential drivers. After enabling IfthenPay with Multibanco, MB Way, Payshop, and card payments, coverage jumped to 96% of all Portuguese payment preferences. Multibanco accounted for 38% of transactions, MB Way 41%, cards 14%, and Payshop 3%. Monthly driver registrations increased by 74% in the first 90 days.

96%
Payment coverage
4,500+
Payshop locations
<4s
MB Way approval
4 methods
MB Way + Multibanco + Payshop + Cards

Ready to accept every Portuguese payment method?

Talk to our team and see IfthenPay in action with a personalised demo.