MB WAY is a Portuguese interbank payment network that allows customers of participating Portuguese banks to make payments using the mobile phone number registered with their MB WAY account.
MB WAY payments are supported for both Card Not Present (e-commerce) and In-Person transactions.
For e-commerce transactions, customers can complete their payment through Smart Checkout.
For In-Person transactions, MB WAY NFC is available on both iOS and Android devices.
MB and MB WAY QR codes are compatible only with Android devices running Viva.com Terminal app version 3.59.00 or earlier.
➡️ Key benefits of offering MB WAY as a payment method
Market share: MB WAY has a significant share of e-commerce transactions in Portugal, with customers of participating Portuguese banks eligible to use it.
Large customer base: Millions of customers use MB WAY to make purchases.
Popularity: MB WAY is widely used for e-commerce payments in Portugal.
Flexibility: Customers do not need to carry their physical bank cards.
Easy to use: Customers benefit from a seamless and secure payment experience.
Quick setup: Merchants do not need to hold an account with MB WAY.
How it works
Smart Checkout
Smart Checkout
Steps:
At the online checkout, the customer selects MB WAY as their preferred payment method & the customer enters the mobile phone number registered with MB WAY.
The customer receives a notification to complete the transaction through the MB WAY app.
Within the app, the payment is displayed under My payments.
The customer selects the payment and taps Accept.
The customer can then select their preferred payment card before clicking on Accept purchase to complete the payment:
Payment at Terminal
Payment at Terminal
For In-Person payments, MB WAY NFC is available through the Viva.com Terminal app on both iOS and Android devices.
When using the supported QR-code flow
The customer scans the QR code using their phone’s camera.
The customer is redirected to Smart Checkout.
The customer selects the MB WAY payment method.
The customer enters the mobile phone number registered with MB WAY.
The customer confirms and approves the payment.
Important: Customers should not use the MB WAY app to scan the QR code, as the payment will not be completed. The process must start by scanning the QR code through the phone’s camera so that the customer is correctly redirected to Smart Checkout.
➡️ Details
Availability: MB WAY is available for e-commerce payments through Smart Checkout. For payment terminals, MB WAY NFC is available on both iOS and Android devices. MB and MB WAY QR codes are available only on Android devices running Viva.com Terminal app version 3.59.00 or earlier.
Merchant’s account: Merchants do not need to hold an account with MB WAY. Customers must hold a Portuguese bank account.
Payment method type: Asynchronous. Payments may take up to 4 minutes to be confirmed. Webhooks should be configured to receive notifications for asynchronous payments.
Refunds: Partial and full refunds are supported.
Recurring payments: Not currently supported.
Pre-authorizations: Not currently supported.
0% Cashback: Supported for both online and In-Person transactions.
MOTO: Not supported.
Cancellation: Supported.
Disputes: Supported.
DCC: Not supported.
Surcharge: Not supported.
Tipping: Not supported.
Installments: Not supported.
Tokenization: Not supported.
Restricted MCCs: None.
Merchant countries: Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal and Spain.
Customer countries: Portugal.
Pricing: Please refer to our pricing page for more information.
Settlement: Settlement takes place on the following day for confirmed payments and successful transactions with
statusId = F.Cross-currency payments: Not currently supported.
Additional notes: The Email address and Customer name fields in Smart Checkout are optional.
How to activate MB WAY
How to activate MB WAY
Smart Checkout
The following activation and deactivation instructions apply exclusively to Smart Checkout. They do not apply to payment terminals.
Activation for Smart Checkout is instant. Once MB WAY has been activated, you can immediately start accepting MB WAY payments through Smart Checkout.
Sign in to your Viva.com account.
Go to Settings → API Access.
Scroll down to the MB WAY (Payment Method) section.
Select Enable MB WAY as a payment method.
MB WAY will be activated and an MB WAY ID will be allocated to you.
To deactivate MB WAY for Smart Checkout, select Disable MB WAY as a payment method.
Payment at terminal
For payment terminals, MB WAY activation may take up to 4 business days from the terminal activation date.
➡️ Get Support
Still need help? Our team is here to support you. Please contact us via the Chat with us option in your Viva.com account.