# Accept Multibanco Payments with Dodo Payments

> Accept Multibanco through Dodo Payments with localized checkout, global method orchestration, and Merchant of Record compliance support.

- **Type**: bank-transfer
- **URL**: https://dodopayments.com/payment-methods/multibanco

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## How Multibanco Works

Multibanco on Dodo Payments is implemented as a method-specific orchestration flow, not a generic on/off toggle. Multibanco commonly uses a **reference-based deferred payment** flow. Checkout generates an entity/reference pair, the buyer completes payment in banking channels or ATMs, and confirmation arrives asynchronously. The checkout experience should treat intermediate states carefully: redirect started, customer returned, and final webhook confirmation can occur at different moments. Fulfillment logic should trigger only on a terminal success state.

Core operational points:
- **Display by eligibility** so Multibanco appears only for valid country/currency corridors.
- **Handle asynchronous updates** and keep order state idempotent while payment status settles.
- **Track method analytics** (attempt rate, success rate, abandonment, and retry outcomes) by device and market.

## Where It's Available

Multibanco is available in **Portugal**, supports payments in **EUR**, and has a minimum transaction amount of **EUR 0.50**. Transactions are processed **instantly**. Dodo Payments automatically shows Multibanco to eligible customers based on their country, currency, and device -- no manual configuration needed.

Availability controls to keep accurate:
- **Country + currency gating** in checkout rendering logic.
- **Fallback sequencing** so users still see a strong alternative if Multibanco is unavailable.
- **Clear buyer messaging** for unsupported corridors to reduce confusion.

## Use Cases

Multibanco should be positioned where it naturally increases buyer confidence and reduces checkout friction. Multibanco is strong for Portugal-focused sales where customers prefer trusted bank-network payment instructions over card entry. It suits scenarios where users can complete payment shortly after checkout. It is most effective when merchants monitor method-level performance and continuously tune ranking rather than treating payment order as static.

Strong deployment patterns:
- **Market-specific checkout mixes** instead of one global payment stack.
- **Segment-aware presentation** (new vs returning users, mobile vs desktop, low vs high ticket).
- **Recovery flows** that offer an immediate alternative when Multibanco is declined or abandoned.

## Integration with Dodo Payments

In Dodo Payments, Multibanco appears as a dedicated payment option in hosted checkout and can be controlled through method eligibility settings. The API type string for this method is **`multibanco`**. This keeps backend logic explicit and avoids ambiguous mapping when multiple wallets, cards, and bank methods are active.

Implementation checklist:
- **Enable `multibanco`** for valid regions and currencies.
- **Consume webhooks** for final success, failure, and reversal states.
- **Reconcile method-level settlements** in finance reporting and refund operations.

This approach makes Multibanco a measurable growth lever instead of a static payment checkbox.

## Related Pages

**Section:** [All Payment Methods](https://dodopayments.com/payment-methods)
**See also:** [France](https://dodopayments.com/payments-in/france) | [Netherlands](https://dodopayments.com/payments-in/netherlands) | [EUR](https://dodopayments.com/currency/eur)

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## About Dodo Payments

Dodo Payments is the billing & payments platform for AI-first and SaaS companies, operating as a Merchant of Record in 220+ countries.

- [Payments](https://dodopayments.com/payments) | [Billing](https://dodopayments.com/billing) | [Distribution](https://dodopayments.com/distribution)
- [Pricing](https://dodopayments.com/pricing) | [Documentation](https://docs.dodopayments.com) | [Dashboard](https://app.dodopayments.com)