PAYMENT GATEWAY
- A. SIBS Payment Gateway Introduction
- B. Integration Models
- C. Meta Information, Codes and Transaction States
- C.1 Transaction Meta Information Structure
- C.2 Field Semantics and Validation Rules
- C.3 Transaction States and Operational Meaning
- C.4 Transaction State Transition Model
- C.5 Status Codes and Error Codes Mapping
- C.6 Error Payloads and Handling Guidelines
- C.7 State Reconciliation: Query vs Webhook
- C.8 Troubleshooting Guide
- D. Payment Methods
- D.1 One-Off Payments
- D.2 Recurring Payments
- D.3 Two-step payment
- D.4 Omnichannel Operations
- E. Notifications and Transaction Status
- E.1 Webhooks (Notifications)
- E.1.1 Generic Webhook Structure
- E.1.2 Webhook Payload Variants by Payment Method
- E.1.3 Webhook Delivery, Retries and Idempotency
- E.1.4 Receiving and Processing Webhooks
- E.1.5 Security and Validation
- E.1.6 Logging and Monitoring
- E.1.7 Webhook Configuration (SIBS SPG Backoffice)
- E.1.8 Webhooks vs Status Inquiry (Consistency Model)
- E.1.9 Webhook Operational Statistics and Monitoring
- E.2 Status Inquiry / Get Status
- E.2.1 Overview and Role in the Transaction Lifecycle
- E.2.2 Status Inquiry Endpoint Specification
- E.2.3 Response Payload Structure
- E.2.4 Status Semantics and Interpretation
- E.2.5 Polling Strategy and Best Practices
- E.2.6 Consistency Model: Query vs Webhook
- E.2.7 Reconciliation Patterns
- E.2.8 Error Handling and Edge Cases
- E.2.9 End-to-End Example
- E.2.10 Inquiry Details API
- E.2.11 Inquiry Details Endpoint Specification
- E.1 Webhooks (Notifications)
- F. Technical Examples and Best Practices
- F.1 End-to-End Integration Examples
- F.1.1 End-to-End Example – One-Off Payment (Credit Card – Form Integration)
- F.1.2 End-to-End Example – Two-Step Payment (Credit Card – AUTH → CAPTURE)
- F.1.3 End-to-End Example – One-Off Payment (MB WAY)
- F.1.4 End-to-End Example – One-Off Payment (Multibanco Reference)
- F.1.5 End-to-End Example – Recurring Payment (Credit Card – CIT & MIT)
- F.1.6 End-to-End Example – MB WAY Authorized Payment and Collection
- F.2 Requests and Responses (Annotated)
- F.2.1 Generic Request Structure (Annotated)
- F.2.2 Generic Response Structure (Annotated)
- F.2.3 Credit Card – Annotated Requests and Responses
- F.2.4 MB WAY – Annotated Requests and Responses
- F.2.5 Multibanco Reference – Annotated Requests and Responses
- F.2.6 Recurring and MIT – Annotated Requests and Responses
- F.2.7 Error Scenarios and Edge Cases (Annotated Payloads)
- F.2.8 Inquiry Details – Annotated Request and Response
- F.3 Success and Error Scenarios
- F.4 Security Best Practices
- F.5 Logging and Monitoring Best Practices
- F.6 Production Readiness Guidelines
- F.6.1 Environment and Configuration Readiness
- F.6.2 Transaction Idempotency and Duplicate Protection
- F.6.3 Asynchronous Flow Readiness
- F.6.4 Webhook Reliability and Processing Guarantees
- F.6.5 End-to-End Flow Validation Before Go-Live
- F.6.6 Operational Resilience and Failure Strategy
- F.6.7 Production Observability Prerequisites
- F.6.8 Data Integrity and Consistency Controls
- F.6.9 Go-Live Checklist (Final Gate)
- F.7 Common Integration Pitfalls
- F.7.1 Misinterpreting Payment Finality (Synchronous vs Asynchronous)
- F.7.2 Incomplete Transaction Lifecycle Handling
- F.7.3 Incorrect Use of Status Inquiry vs Webhooks
- F.7.4 Weak Transaction Correlation Across Systems
- F.7.5 Improper Handling of Retries and Duplicates
- F.7.6 Treating Sandbox Behavior as Production-Equivalent
- F.7.7 Blocking or Synchronous Processing in Asynchronous Flows
- F.7.8 Ignoring Payment Method-Specific Behavioral Differences
- F.7.9 Inadequate Error Interpretation and Handling Strategy
- F.7.10 Lack of End-to-End Validation Mindset
- F.8 Sandbox Reproducible Examples
- F.9 cURL and Postman Collections
- F.10 Webhook Integration Examples
- F.11 Cross-Chapter Consistency Notes
- F.1 End-to-End Integration Examples
- G. SIBS Backoffice and VTerminal
- G.1 SIBS Backoffice
- G.2 VTerminal
- G.2.1 Overview of Virtual Terminal
- G.2.2 Access and Navigation
- G.2.3 Operation Form and Field Description
- G.2.4 MB WAY – One-Off Payment (vTerminal)
- G.2.5 Multibanco Reference – Generation (vTerminal)
- G.2.6 MB WAY – Authorized Payment (Mandate Creation via vTerminal)
- G.2.7 Result of the Operation
- G.2.8 Usage Notes