Multibanco (Portugal)
国家/地区: 葡萄牙 (PT) | 底层清算轨道: reference_payment
VoucherPayment
市场普及率: 75%
Multibanco 是葡萄牙覆盖全国的基石级 ATM 与在线账单凭单支付网络，在葡萄牙电商结账、公用事业缴费与税款缴纳中占据重要地位，以生成专用支付参考号（Entidade & Referência）、无信用卡拒付欺诈风险及全加 ATM/网银支持为特征，广泛用于中大额电商购物、公用事业缴费及各类便民服务支付。
🔄 用户付款交互流 (User Flow)
- Customer selects Multibanco at checkout and receives Entity (Entidade), Reference (Referência), and Amount
- Customer pays via online banking app or at any Multibanco ATM in Portugal
- SIBS clears transaction and notifies merchant upon payment receipt
- Merchant releases order
⚙️ 支付与结算特征
| 即时清算 | NO |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API requests Multibanco reference from acquiring gateway (Stripe/Adyen)
- PSP generates SIBS Entity & Reference numbers
- PSP receives clearing webhook notification and completes order
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen