Payment Gateway

SIBS Pay — Portugal's National Payment Infrastructure

The most authoritative Portuguese payment gateway — SIBS operates the national interbank switch, Multibanco ATM network, and MB Way. Direct integration means maximum reliability and minimum latency on all Portuguese payment methods.

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The Problem

Why does this extension exist?

For operators who want the most authoritative Portuguese payment gateway — SIBS literally operates the national interbank switch, Multibanco ATM network, and MB Way. Going directly to SIBS means maximum reliability and minimum latency on all Portuguese payment methods. No intermediary, no added latency — source integration for Portugal's most critical payment infrastructure.

The Solution

What you get

Official national payment infrastructure — direct source integration with SIBS, operators of Portugal's entire payment network
MB Way direct integration — processed at source with the lowest possible latency, under 800ms approval
Multibanco direct integration — generate references from the source network that operates every ATM in Portugal
3DS2 credit/debit card payments with automatic SCA handling and fraud intelligence
QR Code Express — scan-and-pay for public charging stations with no app required
Card tokenisation and recurring transactions for subscription billing and fleet auto-charge

🎯 Who is this for?

Operators who require maximum reliability and direct integration with Portugal's national payment network — especially public infrastructure, utilities, highway charging, and large-scale CPOs where uptime is non-negotiable.

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🔌 Modular by design

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Key Capabilities

Everything included

National Infrastructure (Source)

SIBS operates Portugal's entire payment network. Direct integration with the source means no intermediary overhead, maximum uptime, and government-grade SLA guarantees.

MB Way at Source

MB Way processed directly at SIBS — the network that created and operates MB Way. Sub-800ms approval with source-level reliability and national SLA coverage.

Multibanco at Source

Generate Multibanco references directly from the SIBS network that operates every ATM in Portugal. Auto-reconciliation, configurable expiry, and full webhook support.

3DS2 Card Payments

Credit and debit card payments with full 3DS2 / PSD2 compliance. SIBS fraud intelligence applied automatically across all card transactions.

QR Code Express

Scan-and-pay at public charging stations. No app download required — drivers scan the QR code, confirm in their mobile bank, and the session starts.

Card Tokenisation + Recurring

Store cards on-file with tokenisation for repeat payments. Recurring transactions for subscription billing, fleet monthly invoices, and auto-topup wallets.

Use Cases

See it in action

How mission-critical Portuguese operators use SIBS Pay for maximum reliability.

National EV charging network uses SIBS Pay for government-grade reliability

A national EV charging operator under a government concession requires 99.97%+ payment uptime as part of their SLA obligations. SIBS Pay's direct infrastructure integration is the only option that meets government-grade reliability requirements for public service payment infrastructure.

Public charging infrastructure at highways

A highway rest area operator deploys SIBS Pay QR Code Express across all charging bays. Drivers scan the QR code, confirm payment in their banking app, and begin charging — no app download, no account registration required.

MB Way at source — lowest latency approvals

A retail CPO network migrates MB Way from a third-party gateway to SIBS Pay direct integration. MB Way approval time drops from 2.1s to 780ms. Session start-to-charging time improves measurably across the fleet.

Central payment hub for multi-operator settlement

A national eMSP uses SIBS Pay as the central payment hub for settling transactions from 12 CPO partners. SIBS's position as national interbank operator means cross-network settlement is handled at the source level — simplifying reconciliation.

Simulated Case Study

National highway CPO achieves 99.97% payment uptime using SIBS Pay direct integration

A CPO operating charging infrastructure at 43 highway rest areas across Portugal was experiencing periodic payment timeouts due to intermediary gateway latency. After migrating to SIBS Pay direct integration, payment uptime reached 99.97% — meeting the government concession SLA requirement. MB Way approval time dropped from 2.3s to under 800ms. Multibanco reference generation time dropped from 1.8s to under 200ms. No payment downtime incidents were recorded in the 12 months following migration.

99.97%

Payment uptime

<800ms

MB Way approval

Direct

Multibanco source

Gov-grade

SLA compliance