MB Way

MB WAY is a Portuguese interbank network. It is the largest interbank network in Portugal. It allows the customers of 21 participating banks (100% coverage in the Portuguese market) to transfer money.

MB WAY is a payment method where the clients insert their mobile number (registered in the MB WAY system with an MB Card) and receive a validation message to authorize the payment.

MB WAY payments are supported both for Card Not Present (eCommerce) and In-Person transactions.

For eCommerce transactions, customers can complete their payment through the Smart Checkout environment.
For In-Person transactions, customers can pay by scanning an MB WAY QR Code generated by the POS terminal through the dedicated MB WAY payment option (available on supported devices and software versions)

➡️ ***Key benefits of* *offering MB Way as a payment method are:***

Market share: 45% market share of e-commerce transactions in Portugal, with 100% of Portuguese banking customers eligible to use MB WAY
Large customer base: Over 3.5 million customers make 9 million purchases each month
Popularity: 57% of young adults use it for e-commerce purchases and 94% of MB WAY users always pay with MB WAY
Flexibility: There is no need for the users to carry bank cards
Easy to use: Consumers experience a seamless and secure experience
Get started quickly: There is no need for the merchant to have an account with MB WAY

How it works

Smart Checkout

Steps:

At the online checkout, the customer selects MB WAY as their preferred payment method:
The customer is then notified that they must complete the transaction from within their MB WAY app:
Within the app, the payment should be listed within the My payments section:
The customer simply navigates to this section to see the payment and click on ACCEPT:
The customer can then select their preferred payment card before clicking on Accept purchase to complete the payment:

In Store Paydroid Versions (PAX)

Steps for payment with MB WAY (In-store):

Customer scans the QR code with the phone’s camera
Terminal redirects to Smart Checkout
Select the MB WAY payment method
Enter the mobile number (registered with MB WAY)
Confirm & approve the payment

Important :

Customers should not use their MB WAY app to scan the QR code, as in this case the payment will not be completed. The process must always start by scanning through the phone’s camera, in order for the redirection to Smart Checkout to occur correctly.

In Store SPOC Versions (Ciontek,Sunmi,Viva Terminal App Android & iOS)

Primary Payment Method:

In Portugal: MB WAY QR Code is shown as the main payment option (no extra taps).

Outside Portugal: MB WAY QR appears when “payment with QR Code” is chosen.

➡️ Details

Availability: Supported on all SPOC and Paydroid terminals. On SPOC terminals running software version 5.37.10 and above, MB WAY is available as a dedicated payment option. On Paydroid devices, and on SPOC terminals running software versions below 5.37.10, MB WAY payments are processed through a Smart Checkout redirect.
Merchant's account: Merchants do not need to have an account with MB WAY. Customers must own a Portuguese Bank Account.
Payment method type: Asynchronous - payments are not confirmed immediately, it may take up to 4 minutes to receive payment confirmation. You need to set up webhooks to get notified for asynchronous payments
Refunds: Supports partial and full refunds
Recurring payments: Not yet supported
Pre-authorizations: Not yet supported
0% Cashback: Supported (for both online and card-present transactions)
MOTO: Not supported
Cancellation: Supports cancellation
Disputes: Supported
DCC: Not supported
Surcharge: Not supported
Tipping: Not supported
Installments: Not supported
Tokenization: No
Restricted MCC: None
Μerchant countries: Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Spain
Customer countries: Portugal
Pricing: Please refer to our pricing page under the main navigation for more information.
Settlement: All settlement takes place next day for confirmed payments / successful transactions (i.e. have statusId = F)
Cross-currency payments: Not yet supported
Additional notes: The Email address and Customer Name fields within Smart Checkout are optional

How to activate:

Activation of this payment method is instant. Once activated, merchants will immediately be able to accept payments via MB WAY.

Sign in to your Viva.com.
Click on Settings > API Access and scroll down to the MB WAY (Payment Method) section.
Click on the Enable MB WAY as a payment method.
MB WAY will be activated and an MB WAY ID allocated to you

If you would like to deactivate MB WAY, click on the Disable MB WAY as a payment method button.

➡️ Get Support

If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!