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ifthenpay

ifthenpay is a Portuguese payment institution regulated by the Bank of Portugal (registration no. 8707). Businesses can use it to accept MULTIBANCO references, MB WAY, Payshop, cards, Apple Pay, Google Pay, Pix and direct debits. Payments can be taken through e-commerce plugins, pay-by-link, invoices, QR codes and rented POS terminals. Merchants receive the amounts paid each day, minus commissions.

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Fees from
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.
Settlement
Receive the paid amounts daily, minus commissions
Coverage
1 country
Payment methods
8
Dev tools
Sandbox Webhooks

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

ifthenpay overview

Best for

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.

ifthenpay pricing & fees

Pricing structure

Pricing
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.
Your business must be registered in
Not disclosed

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ifthenpay settlement & payouts

Payouts

Settlement time
Receive the paid amounts daily, minus commissions
Settlement currencies
Not collected yet

ifthenpay API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

ifthenpay coverage & payment methods

Supported countries

1 country
PT

Payment methods

Apple PayDirect DebitGoogle PayMastercardMb WayMultibancoPixVisa

ifthenpay licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

IFTHENPAY 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 ifthenpay, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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Using ChatGPT or Claude? Ask it to prepare your application to ifthenpay. It can fill in your business profile for you, and you review and sign it here — nothing is sent before that. How assistants do it

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