Top Payment Gateway and Payment Processor in Portugal 2025
Choosing the best payment gateway in Portugal in 2025 is essential for online merchants who want to offer fast, secure, and seamless transactions to their customers. Portugal has a strong banking infrastructure, a growing e-commerce market, and a mix of traditional and modern payment methods. A reliable payment service provider helps businesses accept payments via debit and credit cards, digital wallets, Multibanco (MB), MB Way, and other local methods.
With multiple payment processors available in Portugal, businesses must evaluate transaction fees, security features, integration ease, payment speed, and overall customer experience to find the right solution.
Population
Percentage of Online Shoppers
Consumer Spending
The Best Payment Gateway in Portugal 2025
Below are the TOP payment gateways in Portugal for 2025, with detailed breakdowns.
Stripe
PayPal
AdyenChoosing the best payment gateway in Portugal means considering:
- Support for popular Portuguese payment methods (Multibanco, MB Way, cards, digital wallets)
- Fast and reliable transaction processing
- Fraud protection and secure encryption (PCI-DSS, GDPR compliance)
- Integration with e-commerce platforms (Shopify, WooCommerce, PrestaShop, etc.)
- Mobile optimization and support for contactless payments
- Multi-currency support for international sales
IfthenPay — #1 Local Portuguese Gateway
IfthenPay is widely used by Portuguese merchants and fully optimized for local businesses. It supports MB, MB Way, digital wallets, and online banking.
| Feature | Details |
|---|---|
| Payment Methods | Multibanco (MB), MB Way, digital wallets |
| Settlement Period | Instant for MB Way, 1 business day for MB Spot |
| Mobile Integration | iOS/Android SDK, Shopify/WooCommerce plugins |
| Documents | Local business registration |
| Customer Support | 24/7 (Portugal-based) |
| Dashboard | Analytics, refunds, payouts, fraud tools |
| Payment MethodsMultibanco (MB), MB Way, digital wallets | |
| Settlement PeriodInstant for MB Way, 1 business day for MB Spot | |
| Mobile IntegrationiOS/Android SDK, Shopify/WooCommerce plugins | |
| DocumentsLocal business registration | |
| Customer Support24/7 (Portugal-based) | |
| DashboardAnalytics, refunds, payouts, fraud tools |
Pros
- Best support for the Portuguese market
- Supports all popular local payment methods
- Strong fraud prevention
- Easy integration
Cons
- Limited cross-border support
- Not ideal for global multi-currency merchants
Revolut Business — Cards & Wallets for International Use
Revolut Business allows merchants to accept cards, wallets, and mobile payments with international support.
| Feature | Details |
|---|---|
| Payment Methods | Cards, MB Way, wallets |
| Settlement | EUR, instant for wallets |
| Integration | APIs, plugins, mobile SDK |
| Onboarding | Business verification |
| Dashboard | Real-time reports, analytics |
| Payment MethodsCards, MB Way, wallets | |
| SettlementEUR, instant for wallets | |
| IntegrationAPIs, plugins, mobile SDK | |
| OnboardingBusiness verification | |
| DashboardReal-time reports, analytics |
Pros
- Strong international infrastructure
- Supports local and global payments
- Flexible for SMEs
Cons
- Higher fees for small businesses
- Some integration complexity
Paycomet — Versatile Gateway for E-commerce
Paycomet supports MB, MB Way, digital wallets, and cards, integrating with online stores and POS systems.
| Feature | Details |
|---|---|
| Payment Methods | MB, MB Way, cards, digital wallets |
| Settlement | Instant for MB Way, 1–2 business days for MB Spot |
| Integration | Shopify, WooCommerce, PrestaShop plugins, APIs |
| Security | PCI DSS, GDPR-compliant |
| Dashboard | Analytics, refunds, payouts |
| Payment MethodsMB, MB Way, cards, digital wallets | |
| SettlementInstant for MB Way, 1–2 business days for MB Spot | |
| IntegrationShopify, WooCommerce, PrestaShop plugins, APIs | |
| SecurityPCI DSS, GDPR-compliant | |
| DashboardAnalytics, refunds, payouts |
Pros
- Covers all main Portuguese payment methods
- Easy integration with e-commerce
- Strong security
Cons
- Some features may be less optimized for micro-merchants
Adyen — Enterprise-Level Global Payments for Portugal
Adyen is a full-stack international payment platform widely used by medium and large businesses in Portugal. It supports both local and global payment methods, including cards and European bank-based options.
| Feature | Details |
|---|---|
| Payment Methods | Cards (Visa, Mastercard, Amex), Apple Pay, Google Pay, SEPA Direct Debit, MB Way (via local partners) |
| Settlement | Multi-currency payouts, EUR supported by default |
| Integration | APIs, plugins (Shopify, WooCommerce, Magento), mobile SDK |
| Onboarding | Requires registered business, standard business verification |
| Dashboard | Advanced reporting, risk management, real-time analytics |
| Payment MethodsCards (Visa, Mastercard, Amex), Apple Pay, Google Pay, SEPA Direct Debit, MB Way (via local partners) | |
| SettlementMulti-currency payouts, EUR supported by default | |
| IntegrationAPIs, plugins (Shopify, WooCommerce, Magento), mobile SDK | |
| OnboardingRequires registered business, standard business verification | |
| DashboardAdvanced reporting, risk management, real-time analytics |
Pros
- Supports both local and international payment methods
- High processing reliability and performance
- Ideal for enterprises, SaaS, and marketplaces
- Strong fraud prevention tools
Cons
- Not the cheapest option for small businesses
- More complex technical integration
- Stricter onboarding and compliance requirements
Stripe & PayPal — Global Payment Options
Stripe and PayPal are ideal for businesses selling internationally, though they are not fully local.
| Gateway | Best For | Pros | Cons |
|---|---|---|---|
| Stripe | SaaS, global e-commerce | Best API, multi-currency support | No full MB/MB Way integration, fees for local merchants |
| PayPal | International sales | Fast, versatile, secure | Slightly higher fees for EU merchants |
Popular Payment Methods in Portugal
| Payment Method | Type | Popularity | Notes |
|---|---|---|---|
| Multibanco (MB) | Bank transfer / ATM | High | Traditional, secure, widely used online |
| MB Way | Mobile wallet / app | Growing | Contactless, fast, integrates with Apple/Google Pay |
| Visa & Mastercard | Debit & credit cards | High | Trusted, fast, internationally accepted |
| PayPal | Digital wallet | High | Fast, versatile, secure, ideal for global transactions |
| Klarna | Installment / credit | Medium | Flexible, supports installment payments |
| Apple Pay & Google Pay | Mobile wallet / contactless | Growing | Secure, convenient, user-friendly |
How to Choose the Right Payment Gateway in Portugal
Key Criteria:
- PCI-DSS and GDPR compliance
- Support for cards, MB/MB Way, and digital wallets
- Fraud protection
- Instant or fast settlement (MB Way is instant, MB Spot may take 1 business day)
- Mobile-first checkout
- API documentation and integration tools
Tips for a Smooth Payment Experience
- Offer multiple payment options to suit all customer preferences
- Provide clear instructions and support for each payment method
- Ensure all payments are processed securely and comply with privacy regulations
- Use a gateway that improves checkout speed and convenience
FAQ
Which payment methods are widely used in Portugal?
Multibanco (MB), MB Way, debit/credit cards, mobile wallets, and online banking.
What are the requirements for a payment gateway?
A merchant bank account, integration with e-commerce platforms or POS, and compliance with GDPR and security regulations.
What are typical payment terms in Portugal?
MB Way is instant; MB Spot/bank transfers may take 1–2 business days.
How do payment gateways work?
They connect merchants to consumer bank accounts, encrypt sensitive data, and securely process payments via cards, wallets, or bank systems.
