Activate subscriptions and recurring payments in your business and watch your sales grow. How it works MB WAY Authorised Payments allow your customers to make a one-time approval of a predefined amount that can be charged for each purchase or subscription/month without requiring further approvals. This will allow your customers to make purchases in your online store or Marketplace with just one click, significantly simplifying the purchasing process, encouraging recurring purchases and thus contributing to increased sales. At the checkout of your online store offer the payment method “MB WAY Authorised Payments” and your customers will only need to complete the process on their MB WAY app. Subscriptions Automatic payments of subscriptions (monthly, annual, or other) without the need for the consumer to authenticate each payment, on each of the billing dates. One Click Payments for one-off purchases at a merchant, where the consumer can make the next purchases without having to validate. How it starts The process of subscribing to the Authorised Payments feature is simple, fast and designed to offer maximum convenience and security for both users and member companies. This process takes place digitally and is easily managed via the MB WAY app, ensuring a smooth experience. […]

SIBS offers card transaction acceptance services in an e-commerce environment, covering the international brands Visa, Mastercard, American Express and UnionPay (UPI). The solution is fully compliant with the efficiency and security standards stipulated by these brands, using international security standards such as PCI-DSS and 3D Secure, guaranteeing the protection of transactions. On Card the user has the Purchase and Token scenarios available on Sandbox. In each of the available test scenarios, after clicking on Run in Postman, you will get an API Response and a specific Webhook Response. Purchase Result Status Status Description StatusCode Postman Success Success 000 ? Failed Invalid card data. Card number, CVV or expiration date is invalid E0700 ? Failed Invalid card E0701 ? Token Result Status Status Description StatusCode Postman Generation – Success Success 000 ? Purchase – Success Success 000 ? Generation – Failed SIBS Internal Error E9999 ? Purchase – Failed Invalid card E0701 ?

The MULTIBANCO reference payment method, also known as Payment for Services, has been optimised and, in order to make it more adapted to digital commerce, it has been included with the possibility of generating references in real time via webservices, allowing the attributes of amounts and start and end dates of validity of the reference to be parameterised immediately. In each of the available test scenarios, after clicking on Run in Postman, you will get an API Response and a specific Webhook Response. Generate Result Status Status Description StatusCode Postman Pay Reference – Success Success 000 ? Expired Reference Result Status Status Description StatusCode Postman Failed Payment reference is cancelled E0612 ? Expired Reference Result Status Status Description StatusCode Postman Failed Payment reference is cancelled E0612 ?

MB WAY is SIBS’ mobile solution that offers an innovative approach to online and physical payments, instant transfers, generation of MB NET virtual cards and withdrawals via smartphone, tablet or PC. Payment card holders who are members of MB WAY can make purchases with the highest level of security guaranteed, because no payment card data is ever exposed and because there is no need for the user to authorise each debit – this authorisation is done in the MB WAY app using data that only the user knows or holds (PIN code or fingerprint). In the context of MB WAY purchasing with an alias refers to the ability to make payments using a simplified identifier, like a phone number or a user-specific alias, rather than entering detailed account or card information. On MB WAY the user has the Purchase with Alias and Authorised Payments scenarios available on Sandbox. Purchase with Alias With MB WAY, users can associate their bank account or payment details with a unique alias (a phone number). This alias allows them to make payments without needing to enter sensitive information such as account numbers or card details every time they make a transaction. In each of the […]

vTerminal is a web-based virtual terminal which allows you to accept financial transactions via MB WAY and also generate MULTIBANCO References. This solution lets you send payment notifications for your clients (via MB WAY) or MULTIBANCO References (via SMS). The benefits of using vTerminal are: If you want to learn more about vTerminal, click here.

Front office operations The SIBS Gateway supports two types of operations, purchases and authorisations, where the purchase triggers the payment immediately and the authorisation keeps the amount captive until a capture is performed.  Purchase: This transaction allows a Cardholder to pay for a good or service via an electronic operation that debits his account and will credit the Acceptors banking account. Consists in an immediate debit in the Client account and it is an effective payment on the moment of the transaction.  Authorisation: Consists in an authorisation for a future payment. It allows the Merchant to get an authorisation from the Issuer keeping the amount captive in the Cardholders banking account; the transaction is authorised and the purchase will be triggered in a second moment, when the merchant needs to trigger a “Capture” on the Backoffice.  Backoffice operations At a back-office level, MB WAY supports the following types of operations:  Capture Used when the Cardholder has provided an authorisation for the payment on a 1st stage and the amount is captured. Used on a 2nd stage to execute the payment, which can happen in different ways (always triggered over an authorisation):  Refund The purpose of this operation is to refund […]