Accept MB WAY payments with Checky Pro

Portugal’s mobile wallet, built on the Multibanco network. A phone number at checkout, a PIN in the app, done in under a minute.

See all 24 methods

New here? Checky Pro is the payments & checkout platform for modern e-commerce — MB WAY is one of the 21 payment methods you can switch on today.

What is MB WAY?

MB WAY is the mobile side of Multibanco — the same Portuguese interbank network, but instant instead of reference-based. Where Multibanco hands the customer a number to go and pay, MB WAY pushes a request to their phone and settles it in seconds. Around twenty-eight banks support it, covering effectively the whole Portuguese market.

It has become the default for a particular kind of shopper: younger, phone-first, and unwilling to type card details into a store they do not know. It carries a large share of Portuguese online transactions, and among people who have it, it tends to become the only method they use.

The flow is a phone number and a PIN. The customer enters their mobile number at checkout, a notification lands in the MB WAY app, and they approve with their PIN — usually within a minute, because the request only stays open for a few. Unlike most bank-app methods, MB WAY also supports saved and recurring payments, so it is one of the few local methods that can carry a subscription.

What MB WAY can do

Coverage, costs and capabilities. Every method page answers the same questions in the same order, so you can compare two methods line by line.

Coverage

Payment type: Mobile wallet — bank-backed
Channel: Online
Consumer countries: Portugal
Available for: Companies in the EU, UK, US & Hong Kong

Your company is registered in

Pricing & settlement

Processing fee: 2,95% + € 0,25
Authorization fee: NoneThe € 0,25 is part of the price above — no separate fee per attempt.
Currency conversion: NoneThe customer pays in the currency of the method, and so are you paid out.
Settlement currency: EURPayout in GBP or USD is possible too, at the 1% multi-currency fee.
Settlement: 3–7 business days

Features

Refunds: Supported.
Partial refunds: Supported.
Recurring payments: Supported.One of the few local methods that supports saved and subscription payments.
3-D Secure: Not supported.Not needed — the customer approves with a PIN in the MB WAY app.
Express wallet buttons: Not supported.Wallet buttons run on cards.
Multi-acquirer routing: Not supported.MB WAY runs on a single acquiring route.
Chargebacks: Supported.From € 25,00 per dispute.
Chargeback alerts: Not supported.Pre-dispute alerts come from card issuers — they do not exist on MB WAY.

Prices follow the region above and come from the same rate card as the pricing page. They may still vary with merchant profile, processing volume and acquiring setup.

Why MB WAY, and why through Checky Pro

The top row is the method itself; the bottom row is what our platform adds on top of it.

Instant, unlike a reference

Same network as Multibanco, but the money moves while the customer is still on your page instead of days later.

It carries the younger half of Portugal

Phone-first shoppers who will not type a card number reach for MB WAY, and people who have it tend to use nothing else.

Can carry a subscription

One of the few local methods that supports saved and recurring payments, so it is not limited to one-off orders.

One balance across markets

Portuguese payments land in the same balance and payout schedule as everything else.

Offer it next to Multibanco

MB WAY is instant, Multibanco is the reference for people who prefer to pay at an ATM. Together they cover Portugal properly.

Judged on your store

We look at what you actually sell and how you fulfil it, not at a risk score.

How an MB WAY payment works

From click to balance — what your customer sees, and what happens behind it.

1
Enters their mobile number
One field in your checkout — the number is what identifies the MB WAY account.
2
Gets a notification in the app
The MB WAY app shows your store and the amount. The request stays open for only a few minutes.
3
Approves with their PIN
A PIN in the app confirms the payment, and your store hears back immediately.
4
Settled to your balance
Added to your Checky Pro balance and paid out in 3–7 business days.

MB WAY, answered

Still something open? The team answers on WhatsApp, usually the same day.

What is the difference between MB WAY and Multibanco?

Same network, different timing. MB WAY is instant — a notification on the phone, approved with a PIN. Multibanco gives the customer a reference to pay at an ATM or in online banking, which can take days.

What does an MB WAY payment cost?

For a company in the EU: 2,95% plus € 0,25 per transaction, with no authorization fee and no currency conversion, because MB WAY is paid in euros. Rates differ per region, and outside the EU the euros are converted into your payout currency — switch the region above the pricing table on this page to see yours.

How long does the customer have to approve?

Only a few minutes — the request is designed to be answered straight away. If it lapses nothing is charged and they can start again.

Can I use MB WAY for subscriptions?

Yes. It supports saved and recurring payments, which makes it unusual among local methods and useful if you sell subscriptions in Portugal.

Can I offer MB WAY as a sole proprietorship?

Yes. Your company form no longer decides which payment methods you can offer: a sole proprietorship gets the same methods as an incorporated company. What counts is where your business is registered — the “Available for” row above shows the regions that can offer MB WAY, and the payment methods page has the full coverage.