Multibanco

Configuration

Availability Multibanco is currently in limited release and is available to pilot merchants in any supported merchant country except Brazil, Japan, and Russia. For customers, it is limited to buyers in Portugal only. If you want to participate in the pilot, please contact us.

Multibanco is a voucher-based payment scheme that is created online but is paid for at an ATM with a debit card, or using online banking. This payment scheme differs from other "instant" payments in that the buyer has up to 7 days to complete the payment. Before you can accept Multibanco, you will need to ensure you have completed the following steps:

Create, verify, and link your PayPal business account in the Braintree Control Panel. In order to process Local Payment Methods, you need to have a valid PayPal business account.

Capturing Non-Instant Transaction

There is no capture call for non-instant transactions; Braintree will associate a transaction on behalf of the merchant once we receive confirmation that the voucher has been paid.

Note In sandbox, use the approval URL to display a modal in which you can simulate a successful payment, an expired payment, or an unapproved payment. If successful payment is selected, a webhook will be sent to the merchant in 2-3 minutes and the payment context will update to show an associated transaction.

Server Side with GraphQL

Note Use GraphQL to create a local payment transaction.

Configure webhooks

A webhook integration is required for Multibanco. Webhooks serve as confirmation of a successful payment as well as notification of an expired payment voucher. See the webhooks guide for a general overview on how to configure webhooks.

Below is an example of a Local Payment funded webhook for when the buyer has completed the payment:

JSON

{ 
    "local_payment_funded": { 
        "payment_id": "the_payment_id", 
        "payment_context_id": "the_payment_context_id", 
        "transaction": { 
            "id": "the_transaction_id", 
            "amount": 1.00, 
            "currency_iso_code": "EUR", 
            "created_at": "2021-07-28", 
            "order_id": "the_order_id", 
            "status": "settled" 
        } 
    } 
}

Below is an example of a Local Payment expired webhook for when the voucher has expired: