> ## Documentation Index
> Fetch the complete documentation index at: https://docs.paybyrd.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Ref. Multibanco

Multibanco is the most popular payment method in Portugal, allowing consumers to pay via online banking or in cash at a bank branch.

<Warning>**Expiration:** The payment must be completed in seven days.</Warning>

## How it works

<img src="https://mintcdn.com/paybyrd/_2RsTPIIlIKxMrgj/accept-payments/img/multibanco-payment-flow.png?fit=max&auto=format&n=_2RsTPIIlIKxMrgj&q=85&s=edc55deded19ac31a42a39608bcbcd1b" alt="Flowchart depicting Multibanco payment flow" width="2144" height="1680" data-path="accept-payments/img/multibanco-payment-flow.png" />

Multibanco is an asynchronous payment method. When you create a payment, Paybyrd receives a response from Multibanco confirming the payment was created. The transaction then remains in a processing status until the customer pays.

Once a Multibanco reference is generated, the order is locked — the customer cannot switch to a different payment method. If the customer needs to pay with a different method, a new order must be created. As soon as the customer completes the payment, the Multibanco system notifies Paybyrd, and the transaction is updated to succeeded or failed. The customer can complete the payment through any ATM or online banking, using the payment data returned in the payment creation response.

## Create payment

The example below shows a simple request to create a Multibanco payment and the corresponding response:

<CodeGroup>
  ```bash Create payment request theme={null}
  curl --request POST \
   --url https://gateway.paybyrd.com/api/v2/payment \
   --header 'Accept: application/json' \
   --header 'Content-Type: application/json' \
   --header 'x-api-key: {your_api_key}' \
   --data '
  {
   "type": "OnlineTransfer",
   "amount": "8.15",
   "currency": "EUR",
   "orderRef": "ABC12345", 
   "brand": "Sibs_Multibanco",
   "redirectUrl": "https://your-shop-url?orderRef=ABC12345"
  }'
  ```

  ```json Create payment request theme={null}
  {
   "multibanco": {
     "serviceSupplierId": "11854",
     "paymentReference": "999999935",
     "waitForNotification": "1",
     "redirectOptional": "1"
   },
   "type": "OnlineTransfer",
   "currency": "EUR",
   "orderRef": "ABC12345",
   "brand": "Sibs_Multibanco",
   "redirectUrl": "https://your-shop-url?orderRef=ABC12345",
   "code": "BYRD207",
   "description": "Pending redirect",
   "transactionId": "39824983-4a13-42d4-8e85-e2821e494975",
   "amount": "8.15",
   "action": {
     "type": "redirect",
     "url": "https://gateway.paybyrd.com/api/v1/Redirect/39824983-4a13-42d4-8e85-e2821e494975"
   }
  }
  ```
</CodeGroup>

See the [full API reference](/api-reference/payments/create-payment) for more details.

Check the `code` field to know whether the transaction was accepted. A successful scenario returns the code `BYRD207`. You can find the list of all status codes in the [Respone code reference](/api-reference/api-code-reference).