Portuguese Payment Providers

Custom

Varies

Yapily

European Open Banking API

Noah

Platforms that need API-driven fiat-to-stablecoin pay-ins and automated payouts in local currencies, for example for remittances, payroll, e-commerce marketplaces, crypto wallets and exchanges, or treasury.

TantumPay

Businesses in the EEA, including platforms and marketplaces, crypto/Web3 firms, holding/foundation/trust structures and SaaS companies, that need dedicated multi-currency IBAN e-money accounts alongside online payment acceptance.

ifthenpay

Portuguese businesses that want to accept local methods such as MULTIBANCO references, MB WAY and Payshop alongside cards, online or on POS terminals, without monthly fees.

traditional +1

Online: MB WAY 0.07€ + 0.7%; Multibanco 0.20€ + 1.5%; Payshop 0.57€; Credit Card 0.20€ + 1.5% (Credit Card Consumer, The European Economic Area); Direct Debits 0.45€; Google Pay 0.20€ + 1.5%; Apple Pay 0.20€ + 1.5%; Pix 0.20€ + 3.5% (Real/Euro exchange costs included). POS: 0.7% for each effective payment (Credit Card consumer, EEA); 12€ Monthly Rental (installation, assistance and mobile data included). Membership Fees 0 €; Unpaid References 0 €; Refund Requests 0 €. VAT at the legal rate in force applies.

Receive the paid amounts daily, minus commissions

Finion

Gyms and fitness studios, especially those on Magicline or PerfectGym, that want membership billing, card/wallet acceptance and collections from one provider.

SaltPay

European SMB Payments

Buy Me a Coffee

Creator Monetization

PassTo (Swift Payment Technologies)

Unifiedpost

SIBS (Portugal)

Portuguese Payment Infrastructure

Bankoro

Fintechs that want to build account-based products, and businesses with international activity or foreign owners and directors that need a UK multi-currency account and meet the £2 million turnover or balance minimum.

baas

Account opening fee: individual, typically from £300 for CAT 1 jurisdictions; Monthly fees: individual, typically from £100/month for CAT 1 jurisdictions; Foreign exchange (FX) charges: individual, typically from 0.18%; Outgoing payment charges: individual, typically from £2 and 0.2%; Incoming payment charges: individual, typically from £1 and 0.1%; Account closure fee: 3x monthly fee; Non-compliance with customer profile: individual, typically up to 12x monthly fee; Special requests: individual, typically from £100

Varies

Brite Payments

European Instant Payments

DirectPayEU

European e-commerce merchants accepting IBAN bank payments as a card alternative

traditional

0.8-1.5% for bank transfers

1–3 business days

Stable Mint

Businesses in the EU/EEA and supported third countries that want to collect, hold, convert and pay out EUR/USD via regulated stablecoins alongside SEPA/SWIFT rails, especially for cross-border trade, platforms and marketplace/payroll payouts.

Januar

EEA-based crypto companies and platforms that need crypto-friendly business IBAN accounts, embedded accounts for their own customers, or integrated crypto trading and custody.

MEO Wallet

Portuguese small businesses, online shops and mobile/market sellers wanting to accept cards, Multibanco references, MB WAY and MEO Wallet payments in-store, online or on the go.

traditional +1

Receber pagamentos através do seu site: cartão bancário (débito ou crédito) até 3% + IVA (1); referência MULTIBANCO até 0,40€ + 2,75% + IVA; MB WAY até 0,05€ + 0,6% + IVA; saldo MEO Wallet até 1% + IVA. Através do seu telemóvel: saldo MEO Wallet 0,3% + IVA. (1) Comissão aplicada se menos de 5% do volume de pagamentos for efetuado com cartão bancário estrangeiro. A comissão mínima é de 0,01 €, que já inclui 23% de IVA. Transferência <100.000€ para a sua conta bancária: 0€; Transferência ≥100.000€: 25€ + IVA.

Varies