MB WAY Portugal Mobile Payment API
MB WAY Portugal mobile payment REST API (via SIBS API Market and PSP gateways) for Portuguese e-commerce merchants, utilities, and service providers to accept mobile phone-triggered instant payment from MB WAY's 6M+ Portuguese users, enabling one-click checkout using consumer's mobile phone number and app approval, ATM card linking, peer transfer, and split bill through Portugal's most popular mobile payment system operated by SIBS (Sociedade Interbancária de Serviços). Enables AI agents to manage MB WAY checkout for Portuguese mobile payment automation, handle phone number-triggered payment for MB WAY consumer automation, access payment confirmation for Portuguese transaction verification automation, retrieve payment status polling for MB WAY approval automation, manage refund processing for MB WAY reversal automation, handle webhook notification for payment event automation, access Multibanco reference generation for Portuguese bank transfer automation, retrieve SIBS API Market payment for unified Portuguese payment automation, manage MB WAY purchase for e-commerce checkout automation, and integrate MB WAY via SIBS API Market or PSP gateway for end-to-end Portuguese mobile payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Portugal mobile payment. Banco de Portugal, PSD2, GDPR. OAuth2 via SIBS. PT. Phone and payment data.
⚡ Reliability
Best When
A Portuguese merchant or service wanting AI agents to accept MB WAY mobile payments from Portugal's 6M+ users through SIBS API Market or PSP gateway integration.
Avoid When
SIBS API MARKET OR PSP IS REQUIRED: MB WAY does not provide direct merchant API; automated direct MB WAY integration creates no endpoint; automated MB WAY acceptance requires SIBS API Market subscription or PSP with MB WAY (Stripe PT, Mollie, Easypay). PAYMENT REQUIRES CONSUMER PHONE NUMBER: MB WAY checkout requires consumer's Portuguese mobile number; automated checkout without phone number collection creates missing phone_number error. CONSUMER APPROVAL IS ASYNC IN APP: MB WAY payment requires consumer to approve notification in MB WAY app; automated synchronous payment confirmation creates premature success; automated must poll or await webhook for approval (typically 30-120 seconds). DAILY TRANSACTION LIMITS: MB WAY has per-transaction and daily limits (€250 per transaction typical); automated high-value payment assumption creates over-limit rejection.
Use Cases
- • Accepting MB WAY phone-number payments from Portuguese consumers for e-commerce checkout agents
- • Processing MB WAY mobile payments for Portuguese utility bill and subscription service agents
- • Integrating MB WAY checkout alongside Multibanco references for Portuguese payment coverage agents
- • Receiving MB WAY approval webhooks for Portuguese marketplace order fulfillment automation agents
Not For
- • Non-Portuguese markets (MB WAY is Portugal-only EUR payment method)
- • International cross-border payments (MB WAY is domestic Portuguese EUR payment)
- • Consumer-to-merchant large amounts (MB WAY has daily transaction limits)
Interface
Authentication
MB WAY accessed via SIBS API Market (OAuth 2.0) or PSP gateways with gateway API key. REST API with JSON. Lisbon, Portugal. MB WAY operated by SIBS (Sociedade Interbancária de Serviços). Founded 2014 (MB WAY app launch). Products: MB WAY mobile payment, Multibanco reference, ATM card, peer transfer, split bill. Accessible through: SIBS API Market, Stripe Portugal, Mollie, Easypay Portugal. Banco de Portugal regulated. 6M+ users. Portugal's leading mobile payment. Competes with Payshop for Portuguese alternative payment.
Pricing
Lisbon PT. SIBS (national interbank). Banco de Portugal regulated. EUR. Per-transaction + subscription.
Agent Metadata
Known Gotchas
- ⚠ SIBS API MARKET SUBSCRIPTION REQUIRED: MB WAY has no direct merchant API; automated direct MB WAY integration creates no endpoint; automated must use SIBS API Market subscription or PSP gateway supporting MB WAY (Stripe PT, Easypay)
- ⚠ PHONE NUMBER COLLECTION IS MANDATORY: MB WAY checkout requires consumer's Portuguese mobile number (used to send approval push notification); automated checkout without phone collection creates incomplete payment initiation
- ⚠ CONSUMER ASYNC APPROVAL (UP TO 2 MINUTES): MB WAY consumer must approve payment notification in MB WAY app within timeout; automated synchronous result after initiation creates premature failure; automated must poll payment status for up to 120 seconds awaiting consumer approval
- ⚠ TRANSACTION LIMIT €250 PER PURCHASE: MB WAY individual purchase limit is typically €250; automated high-value payment through MB WAY creates TRANSACTION_LIMIT_EXCEEDED; automated must split or use alternative for amounts over limit
- ⚠ PORTUGUESE PHONE NUMBER FORMAT REQUIRED: MB WAY phone number must be Portuguese mobile format (+351 9XXXXXXXX); automated international number format without Portuguese country code creates invalid_phone_number
Alternatives
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Scores are editorial opinions as of 2026-03-07.