E-Commerce
Integrated in the main e-commerce platforms or in a custom-developed digital platform.
Free Online
Invoicing
Integrated in the Backoffice
Simplify your
Payments
PINPAY.PT
Online and
Card Present
payments
In the same Backoffice and Mobile APP
Open your
business to the
world of
24 hours
day payments
real time notifications
online store
integration
don't have an online store?
use our APP
or Backoffice
simplify your
invoices payments
companies, schools, institutions...
simplify the payment
of quotas, events and donations
Secure payments
no fee to the buyer
Benefits.
The payment service by reference MULTIBANCO, MB WAY, PAYSHOP and Credit Card provided by ifthenpay has numerous advantages for your business.
1
Free
Free for users
2
24 Hours
Payments 24 hours a day with real-time notifications
3
Safety
Secure payments by MULTIBANCO ATMs, MB WAY, PAYSHOP and Credit Card
4
User Data
Protected user data,no need to enter bank or card information
5
Multichannel
Multichannel payments: MULTIBANCO ATMs, Homebanking, mobile phones, mPOS, MB SPOT network, MB WAY, PAYSHOP network, Post Offices
6
Bank Independence
Change Banks without having to change POS. We integrate with all Banks in the SEPA zone
7
Tracking
Free APP for payments tracking
8
Efficiency
more automation, less administrative work, greater effectivness sales
Numbers.
Our numbers up to the current year.
Annual Volume Payments (M€)
Number of Adhering Entities
Distribution by Sector
Payments by Terminal Type (%)
How it Works.
Discover the 4 stages of our service.
Issuance
Automatically generate payment references through your online store, invoices, or mobile app.Notification
Be alerted in real-time after each payment, via email or push notifications.Transfer
Receive daily payments, net of commissions.Invoicing
Receive a detailed monthly invoice for the services provided.
Where to Use.
Some examples where you can use our service.
Documents
Integrated in traditional documents such as invoices or quotes.
Most billing software already offers integration with our service or can be easily integrated.
Backoffice or Mobile
Through the backoffice or mobile APP it is possible to generate MULTIBANCO or MB WAY requests directly in our backoffice or APP and send them to customers.
Even if you don't have an online store, you can receive digital payments remotely.
PINPAY
The PINPAY service simplifies bill and purchase payments through a PIN code, which directs the user to choose the desired payment method securely.
Pay By Link
It is possible to place on any website, software, social networks, e-mails, event registration forms, donation forms, etc., a link that gives direct access to our Gateway where the user will choose the desired payment method and make the payment.
IFTHENPAY.ME
ifthenpay.me is a solution for those who want to receive payments without needing a POS/TPA.
These payments can be made in person or remotely, easily by reading a QR Code.
POS - Point of Sale
Transform the payment experience in your business with Point of Sale (POS). Fast, secure, and versatile, POS enable swift payments via debit and credit cards, Contactless, MB WAY, Apple Pay, and Google Pay.
Direct Debit
Optimize payments in your business with ifthenpay's Direct Debits. Secure and automated, they ensure regular collections without manual intervention, making recurring payments more efficient.
Price.
Online Payments
No monthly fees, transaction minimums, lengths of stay or exclusivity contracts.
0.07€ + 0.7%
0.20€ + 1.5%
0.57€
0.20€ + 1.5%
Credit Card ConsumerThe European Economic Area (EEA)
0.20€ + 1.5%
Credit Card ConsumerThe European Economic Area (EEA)
0.20€ + 1.5%
Credit Card ConsumerThe European Economic Area (EEA)
0.00€*
0.20€ + 3.5%
0.45€
*
ifthenpay does not charge any commission for the integration of this payment method.
Payment of installments with 0% interest and charges will be made via debit card or customer credit
through the payment solution based on a factoring contract between Cofidis and the merchant.
Inquire at Cofidis, registered with the Bank of Portugal under number 921.
Payment of installments with 0% interest and charges will be made via debit card or customer credit
through the payment solution based on a factoring contract between Cofidis and the merchant.
Inquire at Cofidis, registered with the Bank of Portugal under number 921.
VAT is added at the legal rate in use
Card Present Payments: POS
Discover our offer.
0.7%
For each effective paymentCredit Card Consumer
The European Economic Area (EEA)
SMART POS
Contactless
Touch Screen
Wi-Fi
SIM Card
Integrated Printer
Direct Billing (i)
MB WAY
Touch Screen
Wi-Fi
SIM Card
Integrated Printer
Direct Billing (i)
MB WAY
12€
Monthly rental
CLASSIC POS
Contactless
Keyboard
Robust
Autonomy
SIM Card
Integrated Printer
MB WAY
Keyboard
Robust
Autonomy
SIM Card
Integrated Printer
MB WAY
12€
Monthly rental
Monthly rental
(i) Not included. Possibility of integrating invoicing software to invoice directly in the TPA.
VAT is added at the legal rate in use
Videos & Tutorials.
Access our knowledge base.
Press & Media.
ifthenpay in the media.
02
December 2025
Read More
We have made our payment methods available on the MemberPress WordPress plugin
We have strengthened our presence in the WordPress ecosystem by making our payment methods available on the MemberPress plugin—one of the most widely used solutions for managing subscriptions and premium content.
17
November 2025
Read More
We announce a new Multibanco plugin for FluentCart
We are pleased to announce the new Multibanco Payments plugin for FluentCart, developed by Naked Cat Plugins — the platform’s first third-party payment integration, enabling stores to accept Multibanco payments easily and securely at checkout.
17
October 2025
Read More
We celebrate 20 years since the first Multibanco reference was paid
This year we celebrate a historic milestone: 20 years since the first Multibanco reference was paid through our platform. This moment marked the beginning of a new era in digital payments in Portugal and strengthened our commitment to innovation, trust, and technological excellence.
08
October 2025
Read More
We are releasing a new plugin for Moodle
We are strengthening our commitment to technological innovation and digital payment integrations by introducing a new plugin for Moodle, the world’s most widely used e-learning platform.
25
September 2025
Read More
Integration of ifthenpay payment gateway in Odoo
We are pleased to share that it is now even easier to receive payments in Odoo! The ifthenpay payment gateway is now fully integrated with this business management platform, bringing more security, speed, and efficiency to your business.
18
September 2025
Read More
The ifthenpay payment gateway is now available on Bitrix24
We are pleased to announce that our payment gateway is integrated with Bitrix24, offering companies an innovative solution to manage payments and customers in one place.
18
July 2025
Read More
We have launched a new ifthenpay APP for iOS
We are pleased to announce the release of the new version of our APP for iOS. This update marks another step in our commitment to offering an increasingly modern, fast, and intuitive experience to all our users.
View More
More News
Call Us
256 245 560
808 222 777
* Call cost to the national fixed network.
Address
Rua do FeiraPark, nº 50 - Edf. FeiraPark
4520-632 São João de Ver
Santa Maria da Feira, Portugal
União Europeia
4520-632 São João de Ver
Santa Maria da Feira, Portugal
União Europeia
* 40° 58' 26.9882'' N | 8° 34' 21.0058'' W