# ifthenpay — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **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.
- **Fees:** 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.
- **Fee model:** flat-rate
- **Settlement time:** Receive the paid amounts daily, minus commissions
- **Categories:** traditional, regional
- **Countries served:** 1 (PT)
- **Payment methods:** apple_pay, direct_debit, google_pay, mastercard, mb_way, multibanco, pix, visa

## Legal & compliance

Legal entities:
- IFTHENPAY LDA — Portugal — licenses: Payment Institution, PT, BdP

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/ifthenpay#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=ifthenpay&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/ifthenpay

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)