Accepting MB WAY in Portugal
MB WAY is Portugal’s mobile payment solution, operated by SIBS and built on the Multibanco network that Portuguese consumers already use for almost everything. For a merchant entering Portugal, MB WAY and Multibanco together are not an alternative to cards. They are the default.
Published prices for MB WAYPer provider, country and channel, further down this pageGo to the pricesSet-up
How to accept MB WAY as a merchant
You do not contract with MB WAY. Acceptance runs through SIBS, your Portuguese bank or a PSP that connects to the network. Payment is authorised in the consumer’s app, often by phone number or QR code, and confirmed in real time. Because it runs on domestic account-based rails, the economics differ fundamentally from card acceptance.
MB WAY, Multibanco and the reference payment habit
Portugal has a payment behaviour that catches foreign merchants out. Multibanco references, where the customer is given an entity and reference number and pays later through their bank or an ATM, remain widely used and are not instant. MB WAY is the real-time counterpart. Offering only one of the two, or treating a reference payment as though it settles immediately, produces reconciliation problems and abandoned orders that look like conversion failures but are process failures.
Parity
What you pay for instant is a service price, because the rail is not allowed to cost more
Instant used to be a premium and it is now a legal baseline, which changes what a quote for it can reasonably contain.
Portugal is in the euro area. Under Regulation (EU) 2024/886, payment service providers there had to be able to receive instant euro credit transfers from 9 January 2025 and send them from 9 October 2025. The regulation also settles the price question directly: any charges levied by a payment service provider on payers and payees in respect of sending and receiving instant credit transfers shall not be higher than the charges levied by that provider in respect of sending and receiving other credit transfers of corresponding type. Instant is not permitted to be the expensive option.
MB WAY is a service layer on top of that rail: an app, a directory that resolves a phone number to an account, an authorisation step and a confirmation back to your checkout. That layer is worth paying for. The rail underneath it is not allowed to carry a premium for being fast. So when you compare an MB WAY quote against a Multibanco reference quote, the honest question is what the difference buys you in service, because it is not buying you speed on the transfer itself. Whoever quotes you both should be able to answer that in one sentence.
EuroPA
EuroPA and the February 2026 MoU
On 2 February 2026 Bancomat, Bizum, SIBS-MB WAY, Vipps MobilePay and EPI Company signed a Memorandum of Understanding to build a central interoperability hub, with the ambition of seamless cross-border payments across Europe by 2027. The published sequence is cross-border person-to-person payments during 2026, followed by e-commerce and point-of-sale payments in 2027. Existing solutions keep their brands, features and user experience, with a new badge displayed alongside them so consumers can recognise wider acceptance. On 16 April 2026 a proof of concept confirmed cross-border QR-based in-store payments between participating solutions. For merchants the consequence is an acceptance footprint that widens without a new integration.
Which payment provider supports MB WAY for merchants in Portugal?
easypay, ifthenpay, HiPay and Sipay all document MB WAY, among others, usually alongside Multibanco. The useful questions are what you pay per MB WAY transaction against your effective card rate, whether reference payments and instant payments are priced and reported separately, and how your provider handles the timing difference between the two.
Retail Payment Methods Transparency Index
Published prices for MB WAY, per provider
35 providers in the index offer MB WAY to merchants established in Europe, and 17 of them publish a price.
Each rate is shown as the provider prints it; the provider's name links to its price page on this site where there is one, with the source of every rate.
The country where your business is established and from which you sell. Shoppers pay with MB WAY in: Portugal.
Channel
Includes the prices providers publish for merchants anywhere in the EU, marked EU-wide.
| Provider | Per transaction | Channel |
|---|---|---|
| ABANCA Merchants in Portugal | No price published | In-store |
| Adyen Merchants anywhere in the EU | €0.11 + 1.40% + €0.22Processing fee + Percentage plus fixed amount | Online and in-store |
| Adyen Merchants in the United Kingdom | £0.11 + 1.40% + €0.22Processing fee + Percentage plus fixed amount | Online and in-store |
| Adyen Merchants in Norway | €0.11 + 1.40% + €0.22Processing fee + Percentage plus fixed amount | Online and in-store |
| Adyen Merchants in Poland | €0.11 + 1.40% + €0.22Processing fee + Percentage plus fixed amount | Online and in-store |
| Airwallex Merchants anywhere in the EU | No price published | Online |
| Airwallex Merchants in the United Kingdom | No price published | Online |
| Antom (Ant International) Merchants anywhere in the EU | No price published | Online |
| Antom (Ant International) Merchants in Norway | No price published | Online |
| Banco Sabadell Merchants in Spain | PAYCOMET: €0.09 processing fee + 1.20% + €0.20; PAYCOMET flat rate: €19/month (3 months free); during the free trial, per-transaction processing fees and commissions apply from €2,000 monthly turnoverProcessing fee + Percentage plus fixed amount, plus subscription | Online |
| Bankinter Merchants in Portugal | No price published | In-store |
| BBVA Merchants in Portugal | No price published | Online and in-store |
| Buckaroo Merchants in Belgium | No price published | Online |
| Buckaroo Merchants in the Netherlands | Market Portugal: €0.35 + 1.50%Percentage plus fixed amount | Online |
| Caixa Geral de Depósitos (Caixa Pay) Merchants in Portugal | MB WAY: 0.60% + €0.15; Digital Payment Gateway: set-up €120.00 + 23% VAT; monthly fee €30.00 + 23% VATPercentage plus fixed amount, plus subscription | Online |
| Caixa Geral de Depósitos (Caixa Pay) Merchants in Portugal | No price published | In-store |
| Checkout.com Merchants anywhere in the EU | No price published | Online |
| Checkout.com Merchants in the United Kingdom | No price published | Online |
| Checkout.com Merchants in Portugal | No price published | Online |
| Comercia Global Payments (CaixaBank) Merchants in Portugal | No price published | In-store |
| Crédit Agricole (CAWL) Merchants in France | No price published | Online |
| easypay Merchants in Portugal | No price published | Online |
| Eupago Merchants in Spain | 0.70% + €0.07Percentage plus fixed amount | Online |
| Eupago Merchants in Portugal | €0.07 + 0.70%Percentage plus fixed amount | Online |
| Finby (formerly TrustPay) Merchants anywhere in the EU | No price published | Online |
| Getnet (Santander) Merchants in Portugal | No price published | Online |
| Getnet (Santander) Merchants in Portugal | No price published | In-store |
| HiPay Merchants anywhere in the EU | No price published | Online |
| HiPay Merchants in Norway | No price published | Online |
| HiPay Merchants in Portugal | No price published | Online |
| ifthenpay Merchants anywhere in the EU | Online: €0.07 + 0.70%; in-store: no price publishedPercentage plus fixed amount | Online and in-store |
| ifthenpay Merchants in Norway | Online: €0.07 + 0.70%; in-store: no price publishedPercentage plus fixed amount | Online and in-store |
| ifthenpay Merchants in Portugal | €0.07 + 0.70%Percentage plus fixed amount | Online |
| ifthenpay Merchants in Portugal | No price published | In-store |
| Lyra Merchants in France | €0.30 + 1.40%; indicative rates for standard cards (à titre indicatif)Percentage plus fixed amount | Online |
| Mangopay Merchants anywhere in the EU | No price published | Online |
| Mangopay Merchants in the United Kingdom | No price published | Online |
| Mangopay Merchants in Norway | No price published | Online |
| Millennium bcp Merchants in Portugal | 1.20% + €0.05; P@Y.ME monthly fee: €6.00; €0 per month when joining Cliente Frequente Negócios, Cliente Digital Empresa, Solução M Empresa or Solução M Empresa PremiumPercentage plus fixed amount, plus subscription | Online |
| Mollie Merchants in Austria | 1.50% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Belgium | 1.50% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Switzerland | Desktop table: 1.50% + €0.25; mobile table: 1.50% + £0.20Percentage plus fixed amount | Online |
| Mollie Merchants in Germany | 1.50% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Denmark | Desktop table (DKK): 1.50% + DKK 1.95. Mobile table (EUR): 1.50% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Spain | 1.50% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in France | 1.50% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in the United Kingdom | 1.50% + £0.20Percentage plus fixed amount | Online |
| Mollie Merchants in Italy | 1.50% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in the Netherlands | 1.50% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Poland | PLN price list: 1.50% + PLN 1.14; EUR price list: 1.50% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Portugal | 1.50% + €0.25Percentage plus fixed amount | Online |
| Mollie Merchants in Sweden | Desktop table (SEK): 1.50% + SEK 2.70. Mobile table (EUR): 1.50% + €0.25Percentage plus fixed amount | Online |
| MONEI Merchants in Spain | Acquiring fee: 1.00% + €0.08 (€0.25 per refund); MONEI fee: 0.40% + €0.20; one-off setup fee (Multibanco and MB WAY, once per merchant, not per method): €10 (VAT exempt); MONEI One platform fee: €0.15 per day (VAT exempt, charged only in weeks with payments)Percentage plus fixed amount, plus subscription | Online |
| Novalnet Merchants in Germany | €0.24 transaction fee + 1.50%; Novalnet account package without minimum term: €99 set-up fee + €25 monthly fee, no minimum termPercentage plus fixed amount, plus subscription | Online |
| novobanco Merchants in Portugal | Digital Payments Solution (SIBS Gateway): 0.60% + €0.14 per MB WAY transaction; QR Code Type 2 (additional data collection): +0.50%; SIBS Gateway monthly fee: €50.00Percentage plus fixed amount, plus subscription | Online |
| Pay. Merchants anywhere in the EU | Portugal, Professional: €0.20 + 1.40%; Portugal, Business: €0.20 + 1.40%; Pioneer (no monthly fee): Professional rate + €0.05 per transaction + 0.25% of turnover; Professional plan: €35 per month; Business plan: €89 per monthPercentage plus fixed amount, plus subscription, tiered | Online |
| Pay. Merchants in Norway | Portugal, Professional: €0.20 + 1.40%; Portugal, Business: €0.20 + 1.40%; Pioneer (no monthly fee): Professional rate + €0.05 per transaction + 0.25% of turnover; Professional plan: €35 per month; Business plan: €89 per monthPercentage plus fixed amount, plus subscription, tiered | Online |
| PayTel Merchants in Poland | No price published | Online |
| REDUNIQ (UNICRE) Merchants in Portugal | Maximum rates (TSC máxima per transaction). Online, Reduniq E-Commerce: MB Way, all cards 0.90% + €0.35; MB WAY monthly fee €5.00 + VATPercentage plus fixed amount, plus subscription | Online |
| Rootline Merchants in the Netherlands | No price published | Online |
| Shopify Payments Merchants in Austria | MB WAY rates: Basic (€24 per month billed yearly; €32 per month billed monthly): 2.00% + €0.25; Grow (€69 per month billed yearly; €92 per month billed monthly): 1.90% + €0.25; Advanced (€289 per month billed yearly; €384 per month billed monthly): 1.70% + €0.25; Plus (from €2,100 per month): 1.50% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Belgium | MB WAY rates: Basic (€24 per month billed yearly; €32 per month billed monthly): 2.00% + €0.25; Grow (€69 per month billed yearly; €92 per month billed monthly): 1.80% + €0.25; Advanced (€289 per month billed yearly; €384 per month billed monthly): 1.60% + €0.25; Plus (from €2,100 per month): 1.40% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Bulgaria | MB WAY rates: Basic (€19 per month billed yearly; €27 per month billed monthly): 1.90% + €0.25; Grow (€56 per month billed yearly; €74 per month billed monthly): 1.80% + €0.25; Advanced (€289 per month billed yearly; €384 per month billed monthly): 1.70% + €0.25; Plus (from €2,100 per month): 1.50% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Switzerland | MB WAY rates: Basic (CHF 21 per month billed yearly; CHF 29 per month billed monthly): 2.95% + CHF 0.30; Grow (CHF 59 per month billed yearly; CHF 79 per month billed monthly): 2.75% + CHF 0.30; Advanced (CHF 269 per month billed yearly; CHF 359 per month billed monthly): 2.55% + CHF 0.30; Plus (from €2,100 per month): 2.30% + CHF 0.30Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Czechia | MB WAY rates: Basic (CZK 499 per month billed yearly; CZK 670 per month billed monthly): 1.90% + CZK 6.50; Grow (CZK 1,370 per month billed yearly; CZK 1,830 per month billed monthly): 1.80% + CZK 6.50; Advanced (CZK 7,130 per month billed yearly; CZK 9,510 per month billed monthly): 1.60% + CZK 6.50; Plus (from €2,100 per month): 1.30% + CZK 6.50Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Germany | Basic (€28 per month, €21 billed annually): 1.90% + €0.25; Grow (€78 per month, €59 billed annually): 1.80% + €0.25; Advanced (€384 per month, €289 billed annually): 1.60% + €0.25; Plus (from €2,100 per month): 1.40% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Denmark | Basic (€28 per month, €21 billed annually): 1.90% + €0.25; Grow (€78 per month, €59 billed annually): 1.80% + €0.25; Advanced (€384 per month, €289 billed annually): 1.60% + €0.25; Plus (from €2,100 per month): 1.40% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Spain | Basic (€28 per month, €21 billed annually): 1.90% + €0.25; Grow (€78 per month, €59 billed annually): 1.80% + €0.25; Advanced (€384 per month, €289 billed annually): 1.60% + €0.25; Plus (from €2,100 per month): 1.40% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Finland | MB WAY rates: Basic (€24 per month billed yearly; €32 per month billed monthly): 1.60% + €0.25; Grow (€69 per month billed yearly; €92 per month billed monthly): 1.50% + €0.25; Advanced (€289 per month billed yearly; €384 per month billed monthly): 1.40% + €0.25; Plus (from €2,100 per month): 1.30% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in France | Basic (€28 per month, €21 billed annually): 1.90% + €0.25; Grow (€78 per month, €59 billed annually): 1.80% + €0.25; Advanced (€384 per month, €289 billed annually): 1.60% + €0.25; Plus (from €2,100 per month): 1.40% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in the United Kingdom | MB WAY: Basic (£25/month; £19/month billed yearly): 3.10% + £0.25; Grow (£65/month; £49/month billed yearly): 2.70% + £0.25; Advanced (£344/month; £259/month billed yearly): 2.50% + £0.25; Plus (from £1800/month): 2.30% + £0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Greece | MB WAY rates: Basic (€19 per month billed yearly; €27 per month billed monthly): 1.90% + €0.25; Grow (€56 per month billed yearly; €74 per month billed monthly): 1.80% + €0.25; Advanced (€289 per month billed yearly; €384 per month billed monthly): 1.70% + €0.25; Plus (from €2,100 per month): 1.50% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Croatia | MB WAY rates: Basic (€19 per month billed yearly; €27 per month billed monthly): 1.70% + €0.25; Grow (€56 per month billed yearly; €74 per month billed monthly): 1.60% + €0.25; Advanced (€289 per month billed yearly; €384 per month billed monthly): 1.50% + €0.25; Plus (from €2,100 per month): 1.30% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Hungary | MB WAY rates: Basic (€19 per month billed yearly; €27 per month billed monthly): 1.50% + HUF 85.00; Grow (€56 per month billed yearly; €74 per month billed monthly): 1.40% + HUF 85.00; Advanced (€289 per month billed yearly; €384 per month billed monthly): 1.30% + HUF 85.00; Plus (from €2,100 per month): 1.10% + HUF 85.00Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Ireland | MB WAY rates: Basic (€24 per month billed yearly; €32 per month billed monthly): 2.00% + €0.25 excl. VAT; Grow (€69 per month billed yearly; €92 per month billed monthly): 1.70% + €0.25 excl. VAT; Advanced (€289 per month billed yearly; €384 per month billed monthly): 1.50% + €0.25 excl. VAT; Plus (from €2,100 per month): 1.40% + €0.25 excl. VATPercentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Italy | Basic (€28 per month, €21 billed annually): 1.90% + €0.25; Grow (€78 per month, €59 billed annually): 1.80% + €0.25; Advanced (€384 per month, €289 billed annually): 1.60% + €0.25; Plus (from €2,100 per month): 1.40% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Lithuania | MB WAY: Basic (€27/month; €19/month billed yearly): 1.80% + €0.25; Grow (€74/month; €56/month billed yearly): 1.70% + €0.25; Advanced (€384/month; €289/month billed yearly): 1.60% + €0.25; Plus (from €2,100/month): 1.40% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in the Netherlands | Basic (€28 per month, €21 billed annually): 1.90% + €0.25; Grow (€78 per month, €59 billed annually): 1.80% + €0.25; Advanced (€384 per month, €289 billed annually): 1.60% + €0.25; Plus (from €2,100 per month): 1.40% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Norway | MB WAY: Basic (NOK 389/month; NOK 289/month billed yearly): 2.00% + NOK 2.00; Grow (NOK 1030/month; NOK 770/month billed yearly): 1.90% + NOK 2.00; Advanced (NOK 4490/month; NOK 3370/month billed yearly): 1.80% + NOK 2.00; Plus (from €2,100/month): 1.60% + NOK 2.00Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Poland | MB WAY: Basic (PLN 109/month; PLN 79/month billed yearly): 1.95% + PLN 1.20; Grow (PLN 319/month; PLN 239/month billed yearly): 1.80% + PLN 1.20; Advanced (PLN 1630/month; PLN 1220/month billed yearly): 1.65% + PLN 1.20; Plus (from €2,100/month): 1.45% + PLN 1.20Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Portugal | MB WAY: Basic (€27/month; €19/month billed yearly): 1.30% + €0.30; Grow (€74/month; €56/month billed yearly): 1.20% + €0.30; Advanced (€384/month; €289/month billed yearly): 1.10% + €0.30; Plus (from €2,100/month): 1.00% + €0.30Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Romania | MB WAY: Basic (RON 139/month; RON 99/month billed yearly): 1.90% + RON 1.25; Grow (RON 369/month; RON 279/month billed yearly): 1.70% + RON 1.25; Advanced (RON 1940/month; RON 1460/month billed yearly): 1.50% + RON 1.25; Plus (from €2,100/month): 1.30% + RON 1.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Sweden | Basic (€28 per month, €21 billed annually): 1.90% + €0.25; Grow (€78 per month, €59 billed annually): 1.80% + €0.25; Advanced (€384 per month, €289 billed annually): 1.60% + €0.25; Plus (from €2,100 per month): 1.40% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Shopify Payments Merchants in Slovenia | MB WAY: Basic (€27/month; €19/month billed yearly): 1.60% + €0.25; Grow (€74/month; €56/month billed yearly): 1.50% + €0.25; Advanced (€384/month; €289/month billed yearly): 1.40% + €0.25; Plus (from €2,100/month): 1.20% + €0.25Percentage plus fixed amount, plus subscription, tiered | Online |
| Stripe Merchants in Austria | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Belgium | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Bulgaria | 1.50% + €0.26; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Switzerland | 1.50% + CHF 0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Czechia | 1.50% + CZK 6.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Germany | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Denmark | 1.50% + DKK 1.85; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Estonia | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Spain | 1.50% + €0.25; +1.50% for international transactions; +2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Finland | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in France | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in the United Kingdom | 1.50% + £0.20; +1.50% for international transactions; +2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Greece | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Croatia | 1.50% + €0.25; +1.50% for international transactions; +2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Hungary | 1.50% + HUF 100.00; +1.50% for international transactions; +2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Ireland | 1.50% + €0.25; +1.50% for international transactions; +2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Italy | 1.50% + €0.25; +1.50% for international transactions; +2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Lithuania | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Luxembourg | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Latvia | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in the Netherlands | 1.50% + €0.25; +1.50% for international transactions; +2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Norway | 1.50% + NOK 2.90 (+1.50% for international transactions; +2% if currency conversion is required)Percentage plus fixed amount | Online |
| Stripe Merchants in Poland | 1.50% + PLN 1.05; +1.50% for international transactions; +2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Portugal | 1.50% + €0.25; +1.50% for international transactions; +2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Romania | 1.50% + RON 1.25; +1.50% for international transactions; +2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Sweden | 1.50% + SEK 2.75; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Slovenia | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Stripe Merchants in Slovakia | 1.50% + €0.25; + 1.50% for international transactions; + 2% if currency conversion is requiredPercentage plus fixed amount | Online |
| Trust Payments Merchants anywhere in the EU | No price published | Online |
| Trust Payments Merchants in the United Kingdom | No price published | Online |
| Unlimit Merchants in the United Kingdom | No price published | Online |
| Viva.com Merchants in Austria | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Austria | No price published | In-store |
| Viva.com Merchants in Belgium | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Belgium | No price published | In-store |
| Viva.com Merchants in Germany | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Germany | No price published | In-store |
| Viva.com Merchants in Spain | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Spain | No price published | In-store |
| Viva.com Merchants in Finland | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Finland | No price published | In-store |
| Viva.com Merchants in France | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in France | No price published | In-store |
| Viva.com Merchants in Greece | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Greece | No price published | In-store |
| Viva.com Merchants in Croatia | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Croatia | No price published | In-store |
| Viva.com Merchants in Ireland | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Ireland | No price published | In-store |
| Viva.com Merchants in Italy | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Italy | No price published | In-store |
| Viva.com Merchants in Luxembourg | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Luxembourg | No price published | In-store |
| Viva.com Merchants in the Netherlands | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in the Netherlands | No price published | In-store |
| Viva.com Merchants in Portugal | 0.69% + €0.09; Ecommerce monthly plans: Zero 0 (minimum monthly charge €4.99), Default €4.99, Standard €12.99, Premium €19.99Percentage plus fixed amount, plus subscription | Online |
| Viva.com Merchants in Portugal | No price published | In-store |
| Worldline Merchants in Austria | No price published | Online |
| Worldline Merchants in Belgium | No price published | Online |
| Worldline Merchants in Czechia | No price published | Online |
| Worldline Merchants in Germany | No price published | Online |
| Worldline Merchants in Denmark | No price published | Online |
| Worldline Merchants in Spain | No price published | Online |
| Worldline Merchants in Finland | No price published | Online |
| Worldline Merchants in France | No price published | Online |
| Worldline Merchants in Greece | No price published | Online |
| Worldline Merchants in Croatia | No price published | Online |
| Worldline Merchants in Hungary | No price published | Online |
| Worldline Merchants in Italy | No price published | Online |
| Worldline Merchants in Luxembourg | No price published | Online |
| Worldline Merchants in the Netherlands | No price published | Online |
| Worldline Merchants in Poland | No price published | Online |
| Worldline Merchants in Sweden | No price published | Online |
| Worldline Merchants in Slovenia | No price published | Online |
| Worldline Merchants in Slovakia | No price published | Online |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 12 September 2026 and 12 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.
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Which of the two Portuguese options you put first is worth a number
Most Portuguese checkouts offer references and MB WAY as two equal choices in whatever order the integration happened to produce. That ordering is a commercial decision that nobody made, and it moves two things at once.
Numbers. Take 3 million euros of Portuguese revenue at an average order value of 60 euros, so 50,000 orders, currently splitting 60 per cent references and 40 per cent MB WAY. Suppose references run at 0.6 per cent and MB WAY at 0.9. On today’s split that is 10,800 plus 10,800, so 21,600 euros. Move fifteen points of volume from references to MB WAY by presenting MB WAY first and 450,000 euros crosses at 0.3 points more expensive, which costs 1,350 euros. On the fee line alone, moving to the instant rail is the wrong answer.
Now the other half. If 15 per cent of references go unpaid and MB WAY effectively does not, those 450,000 euros of moved volume convert roughly 67,500 euros of orders that used to expire. That is fifty times the extra fee. This is the whole argument in one comparison: the fee difference between two methods is knowable to two decimal places and usually trivial, while the completion difference is larger by an order of magnitude and almost never measured. Measure the second one before you optimise the first.
Reviewing what MB WAY costs you
Domestic Portuguese rails are frequently priced outside the main PSP negotiation, which is exactly where unexamined cost accumulates. Start by establishing whether you are overpaying your PSP, or move straight to cutting your PSP costs, because a cheap method priced badly still costs more than it should.
Relevant markets: Portugal
Payment set-up check
Selling into Portugal? Let's make sure your checkout is set up correctly for the Portuguese market.
Enter your webshop. The check sets your checkout against what shoppers in each of your markets expect, and names the gaps. If you want, it then calculates what those gaps cost you in euros.
Ramon Helwegen
