Payment methods by country · Payment methods
How do Portuguese shoppers pay online?
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Portuguese shoppers pay online with Multibanco and MB WAY as well as cards. Multibanco gives the shopper a voucher with an entity number, a reference and the amount, which they pay through online banking or at an ATM within 7 days. MB WAY is a phone wallet: the shopper enters their phone number and approves in the app within 4 minutes. Klarna offers pay later up to €500 and pay in 3 in Portugal.
- Currency
- Euro (EUR)
- Vouchers
- Multibanco: pay by online banking or ATM, 7-day expiry
- Phone wallet
- MB WAY: default daily limit €1,000, can be raised to €10,000
- Buy now, pay later
- Klarna: pay later up to €500, pay in 3 €1–€1,000
- PlatformDTC offers
- Cards, Apple Pay, Google Pay, PayPal, Klarna
What PlatformDTC does
PlatformDTC checkout does not offer Multibanco or MB WAY today. Shoppers in Portugal can pay by card, Apple Pay, Google Pay, PayPal in euros, or Klarna on one-time orders from €1 to €4,000 when the store's Stripe account is in the EEA, UK or Switzerland.
Multibanco versus MB WAY
Multibanco is a delayed payment: the order waits until the shopper pays the reference. MB WAY is approved in the app within minutes, but each user has a daily limit, €1,000 by default.
| Method | How the shopper pays | Time limit |
|---|---|---|
| Multibanco | Reference paid in online banking or at an ATM | Voucher expires after 7 days |
| MB WAY | Phone number, then approve in the MB WAY app | 4 minutes to approve |
Klarna in Portugal
Klarna's options in Portugal are pay in full, pay later up to €500 and pay in 3 from €1 to €1,000. PlatformDTC shows Klarna on one-time carts only.
Frequently asked questions
- Does Multibanco work outside Portugal?
- No. Stripe lists Portugal as Multibanco's only customer country, though stores in many countries can accept it.
- What can Portuguese shoppers use on PlatformDTC?
- Cards, Apple Pay, Google Pay, PayPal in euros, and Klarna on one-time orders.
Sources
- Multibanco payments — Stripe
- MB WAY payments — Stripe
- Klarna payments — Stripe
- Payment method support — Stripe
Related
- Spain — Cards and Bizum, the bank-backed phone payment, with PayPal and Klarna pay in 3 alongside.
- France — Bank cards on the Cartes Bancaires network dominate, almost all co-badged with Visa or Mastercard.
- Poland — BLIK six-digit codes from the banking app dominate, with Przelewy24 bank transfers alongside.
- Sweden — Debit cards first online, then Swish and buy now, pay later, according to the Riksbank.
- Denmark — Cards, increasingly inside phone wallets, plus MobilePay and the national Dankort card.
- Norway — Vipps phone payments and cards, many carrying Norway's own BankAxept network.
- Finland — Online bank payments lead, with MobilePay and Siirto rising and several pay-later brands.
- Czech Republic — Cards and bank transfers filled in by scanning a QR Platba code, plus Klarna in koruna.