MB Way

MBWay is a popular Portuguese mobile payment solution that enables instant money transfers, online and in-store purchases, and bill payments through a smartphone app. Created by SIBS (Sociedade Interbancária de Serviços), it connects directly to users' bank accounts and allows transactions using only a mobile phone number, making it a fast, secure, and convenient payment method widely adopted throughout Portugal.

Payment method details

Currency	EUR
Countries	Portugal
Minimum transaction value	0.01 EUR
Maximum transaction value	5000.00 EUR
Capture	Not supported
Cancel	Not supported
Refund	Full and (multiple) partial refunds are supported. Up to 120 days.
Disputes	Supported
Statement descriptor	Standard constraints apply. No payment method specific restrictions.

Create a seamless flow with the Payments API

In The Payment API section we explain how the Payments API can be leveraged to create an MB Way flow.

Checkout integration

Let Rootline handle the payment method selection. You initiate the payment by simply sending a payment request with below details.

{
  "account_id": "acc_12347Sifdo36cdycbsw4Pum",
  "amount": {
    "currency": "EUR",
    "quantity": "20.00"
  },
  "reference": "test_reference",
  "statement_descriptor":"Bank statement text",
  "return_url":"https://www.my_return_url.com"
}

The API will return a next_action object with a checkout_url. This url leads your customer to the Rootline checkout page, where they can select their payment method and further payment details.

{
    "payment_id": "pmt_UXRFkdU6kdAtO6ceGdxmW",
    "created_at": "2023-09-12T08:22:25.864452Z",
    "account_id": "acc_12347Sifdo36cdycbsw4Pum",
    "reference": "test_reference",
    "amount": {
        "currency": "EUR",
        "quantity": "20.00"
    },
    "checkout_status": "open",
    "authorizations": [],
    "authentications": [],
    "next_action": {
        "checkout_url": "http://payment-api.rootline.com/payments/pmt_UXRFkdU6kdAtO6ceGdxmW/checkout"
    },
      "statement_descriptor":"Bank statement text",  
    "return_url": "https://www.my_return_url.com"
}

Forwarding your customer through the checkout url

Request a redirect to your customer's bank by calling (/GET) the checkout_url that Rootline provides.

Seamless redirect from your website to MB Way

The custom integration allows you to redirect a customer from your page to MB Way, without visibly interacting with Rootline's checkout pages. Payment method selection can be done in your own page. In addition to the /POST request above, to indicate that this is an MB Way payment, provide MB Way as the value for the payment_rails.payment_method field to indicate that MB Way is the chosen payment method:

{
  "account_id": "acc_12347Sifdo36cdycbsw4Pum",
  "amount": {
    "currency": "EUR",
    "quantity": "20.00"
  },
  "payment_rails":{
    "payment_method":"MB Way"
  },
  "reference": "test_reference",
  "description":"Test description",
  "statement_descriptor":"Bank statement text",
  "return_url":"https://www.my_return_url.com"
}

Use the checkout redirect url for a seamless redirect to your customer's bank. After completion of the payment, your customer will be redirected back to the return url that you provided.

{
    "payment_id": "pmt_UXRFkdU6kdAtO6ceGdxmW",
    "created_at": "2023-09-12T08:22:25.864452Z",
    "account_id": "acc_12347Sifdo36cdycbsw4Pum",
    "reference": "test_reference",
    "amount": {
        "currency": "EUR",
        "quantity": "20.00"
    },
    "payment_rails":{
        "payment_method":"MB Way"
    },
    "checkout_status": "open",
    "authorizations": [],
    "authentications": [],
    "next_action": {
        "checkout_url": "http://payment-api.rootline.com/payments/pmt_UXRFkdU6kdAtO6ceGdxmW/redirect"
    },
      "statement_descriptor":"Bank statement text",  
    "return_url": "https://www.my_return_url.com"
}