The shopper logs in to the Multibanco page The Multibanco page then displays a payment reference and other details that the shopper can use to make a payment from their internet banking application, or use their bank card in an ATM.

Multibanco is an interbank payment solution network in Portugal. This network is a subsidiary of SIBS (Sociedade Interbancria de Servios S.A.) and offers various payment solutions, including payment provision. Customers can use the Multibanco payment system through online banking systems or by ATM systems.