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Eupago

Eupago is a Porto-based payment institution supervised by Banco de Portugal (registration 8709). Merchants can use it to accept Portuguese and Spanish local payment methods (MB WAY, Multibanco, Payshop, Pagaqui, Bizum), as well as Visa/Mastercard cards, Apple Pay, Google Pay, direct debits, Paysafecard and EuroPix. It covers online, in-store and pay-by-link payments, plus recurring and split payments, BNPL via FLOA, e-commerce plugins and an API. Payouts go to the merchant's IBAN as daily transfers.

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Fees from
Multibanco: 0,20€ + 1,5%; MB WAY: 0,07€ + 0,7%; Credit card: 0,20€ + 1,5% (an additional 1% of the transaction amount for transactions made with cards issued outside the EEA; an additional 1% for transactions made with corporate (business) cards); Bizum: 0,59% + 0.15€ (until December 31, 2026; standard 0,79% + 0,19€); Paysafecard: 12,0%; Direct debit: 0,45€; Payshop: 0,60€; EuroPix: 0,15€ + 1,8% (promotional value for subscriptions until the end of 2025); Google Pay: 0,20€ + 1,5% (same card surcharges); Apple Pay: 0,20€ + 1,5% (same card surcharges); FLOA: On request; Pagaqui: 0,30€. VAT at the legally applicable rate will be added to all indicated amounts.
Settlement
Next business day
Coverage
1 country
Payment methods
10
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Eupago before signing. Visit Website is an external link; we may earn a commission.

Eupago overview

Best for

Merchants selling to customers in Portugal and Spain that need local methods like MB WAY, Multibanco and Bizum alongside cards and wallets.

Eupago pricing & fees

Pricing structure

Pricing
Multibanco: 0,20€ + 1,5%; MB WAY: 0,07€ + 0,7%; Credit card: 0,20€ + 1,5% (an additional 1% of the transaction amount for transactions made with cards issued outside the EEA; an additional 1% for transactions made with corporate (business) cards); Bizum: 0,59% + 0.15€ (until December 31, 2026; standard 0,79% + 0,19€); Paysafecard: 12,0%; Direct debit: 0,45€; Payshop: 0,60€; EuroPix: 0,15€ + 1,8% (promotional value for subscriptions until the end of 2025); Google Pay: 0,20€ + 1,5% (same card surcharges); Apple Pay: 0,20€ + 1,5% (same card surcharges); FLOA: On request; Pagaqui: 0,30€. VAT at the legally applicable rate will be added to all indicated amounts.
Your business must be registered in
Not disclosed

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Eupago settlement & payouts

Payouts

Settlement time
Next business day
Settlement currencies
Not collected yet

Eupago API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Eupago coverage & payment methods

Supported countries

1 country
PT

Payment methods

Apple PayBizumBnplGoogle PayMastercardMb WayMultibancoSepa Direct DebitVisaVoucher

Eupago licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

Eupago - Instituição de Pagamento Lda

Portugal

Licenses

Payment Institution PT

Authorised Payment Institution (PT)

Bank of Portugal

License numbers & register records

1 license number · 1 register record on file for Eupago, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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