MB WAY

Online stores: MB WAY € 0,07 + 0,70% + VAT; Multibanco reference € 0,25 + 1,5% + VAT; Payshop reference € 0,57 + VAT; Direct debits € 0,45 + VAT; Credit/debit card (Visa, Mastercard, Maestro, Google Pay, Apple Pay) - Consumer € 0,20 + 1,50% + VAT; - Commercial + 1,3% + VAT; – outside the European Economic Area (EEA) + 1,1 %+ VAT. Card terminal (POS): Consumer € 0,05 + 0,89% + VAT; Commercial + 1,3% + VAT; outside the EEA + 1,1% + VAT; Monthly fee € 9,90 + VAT. Sign-up costs with Lusopay 0€; Unpaid references 0€; Generate payment requests 0€.

Varies

Novalnet

European online and omnichannel merchants that want cards, local methods and guaranteed invoice or SEPA Direct Debit on one contract, along with subscription billing and receivables management.

traditional

Per novalnet.com (Nov 2026): Visa/Mastercard EUR 0.24 + 1.70%; Amex, JCB, UnionPay, Discover, Diners EUR 0.24 + 2.99%; Apple Pay/Google Pay EUR 0.24 + 1.99%; SEPA Direct Debit EUR 0.24 + 1.50%; invoice EUR 0.24 + 0.99%; online bank transfer EUR 0.24 + 1.10%; iDEAL | Wero EUR 0.28 + 0.30%; guaranteed invoice/SEPA priced by country and B2B/B2C (e.g. DE B2C guaranteed invoice EUR 0.42 + 2.4%); +1.5% surcharge on corporate/business and non-EU cards.

Varies

PaynoPain

SMEs, ecommerce stores, hotels, restaurants, marketplaces, debt collection agencies and mobility businesses, mainly in Spain and Europe, that want online and in-person payments on one platform.

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

PPRO

Local Payment Method Integration

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