Payment Gateway

Reduniq — Portugal's National Card Acquirer

Accept Visa, Mastercard, Amex, MB Way, and Multibanco through Reduniq — Portugal's leading domestic card acquirer backed by the SIBS national interbank network, with the lowest interchange rates on Portuguese-issued cards.

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The Problem

Why does this extension exist?

Operators in Portugal seeking competitive card acquisition rates need the backing of the national interbank network. Reduniq is Portugal's domestic acquirer from the Redunicre/SIBS group — meaning lower interchange fees on Portuguese-issued cards compared to international acquirers. For high-volume CPOs, the difference can be tens of thousands of euros per year in processing savings.

The Solution

What you get

Visa, Mastercard, and American Express acceptance with domestic interchange rates
MB Way integration via the SIBS national network — the same infrastructure that powers MB Way nationally
Multibanco payment services — generate and reconcile ATM payment references
Competitive domestic interchange — up to 18% lower than international acquirers on Portuguese-issued cards
Pre-authorisation and capture flow for EV charging — hold funds at session start, capture after completion
Full refund API for partial and full refunds with automatic reconciliation in OASIS HUB

🎯 Who is this for?

Portuguese CPOs wanting the lowest domestic card processing rates and the credibility of Portugal's national acquirer from the SIBS group — ideal for high-volume networks where every basis point of interchange matters.

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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

Domestic Card Acquisition

Portugal's national acquirer. Lower interchange rates on Portuguese-issued Visa and Mastercard compared to international acquirers — meaningful savings for high-volume CPOs.

Visa / Mastercard / Amex

Accept all major international card networks through a single Reduniq integration. 3DS2 compliant with automatic SCA handling for PSD2.

MB Way via SIBS Network

MB Way payments processed directly through the SIBS national network. Same infrastructure that powers every MB Way transaction in Portugal — highest reliability.

Multibanco References

Generate Multibanco ATM payment references with auto-reconciliation. Full support for variable and fixed amount references.

Pre-Auth + Capture

Hold funds at session start with pre-authorisation. Capture the exact charged amount at session end — no disputes over estimated amounts.

Full Refund API

Partial and full refunds via API. Refunds are automatically reconciled in OASIS HUB billing — no manual ledger adjustments required.

Use Cases

See it in action

How Portuguese operators use Reduniq to optimise card processing costs.

Lisbon network uses Reduniq for lowest domestic card fees

A Lisbon charging network with 200+ chargers switches from an international acquirer to Reduniq for card processing. Interchange savings on Portuguese-issued cards total €48,000 per year. The finance team reports the switch paid for itself in 3 months.

Corporate fleet pays with Portuguese Visa business cards

A CPO serving corporate fleets enables Reduniq to reduce interchange on Portuguese-issued Visa Business cards. Fleet billing costs drop significantly as domestic interchange applies to the majority of corporate transactions.

Pre-auth at session start, capture after completion

A CPO enables Reduniq's pre-authorisation flow. At session start, a €50 pre-auth is placed on the driver's card. At session end, only the exact amount is captured. Disputed charges drop by 94% compared to fixed pre-billing.

Quarterly refund processing via API

A CPO processes quarterly loyalty refunds and promotional credits via Reduniq's refund API. All refunds are automatically reconciled in OASIS HUB — the finance team processes 500+ refunds per quarter without manual intervention.

Simulated Case Study

Portuguese CPO network saves €48,000/year in interchange fees by switching to Reduniq domestic acquisition

A CPO network operating 215 chargers across Portugal was processing all card payments through a pan-European international acquirer. An analysis showed that 74% of transactions used Portuguese-issued Visa or Mastercard cards — qualifying for domestic interchange rates. After switching to Reduniq for domestic acquisition, average interchange dropped from 1.87% to 1.53% on Portuguese-issued cards. On a total card processing volume of €14.1M/year, this resulted in €48,000 in annual savings. The switch was completed in 6 weeks.

-18%

Interchange vs international

€48k

Annual savings

SIBS

Direct network access

Visa/MC/Amex

All major cards supported