Transações simples, seguras e à medida do seu negócio
From physical store to online
We simplify payments
About Us
We are a Portuguese fintech with more than 20 years of experience simplifying payments for businesses. Regulated by the Bank of Portugal (registration no. 8707), we operate across the entire European Economic Area.
We create secure and innovative solutions that connect the physical and digital worlds, from B2B and B2C e-commerce to traditional invoicing.
No Costs
No costs for the user
24 Hours
Payments 24 hours a day with immediate notifications
Security
Secure payments through all our payment methods
Data
User data protection, with no need to enter bank details online
Multichannel
Multichannel payment: Homebanking, MB Spot, Mobile, POS, MB WAY, PAYSHOP Agent or CTT store
Independence
Change Bank without having to change POS. We integrate with all Banks in the SEPA area
Control
Sales control on your smartphone through our free App
Efficiency
Increased collection efficiency and reduction of costs and workload
How It Works
1. Issuance
Automatically generate payment references through your online store, invoices or mobile app
2. Notification
Receive real-time alerts after each payment, by email or push notifications
3. Transfer
Receive the paid amounts daily, minus commissions
4. Billing
Receive a detailed monthly invoice of the services provided
Where to Use
E-commerce
Integrated with the main e-commerce platforms or custom-developed digital platforms.
Documents
Integrated into traditional documents such as invoices or quotations.
Most billing software already offers integration with our service or can be easily integrated.
Backoffice
Through the backoffice or the mobile app (Android and iOS), it is possible to generate MULTIBANCO references or make MB WAY requests and send them to customers.
Even without an online store, you can receive remote digital payments.
PINPAY
The PINPAY service simplifies invoice and purchase payments through a PIN code, directing the user to securely choose the desired payment method.
Read more
Gateway
It is possible to integrate a link into any website, software, social network, email, event registration or donation form, which redirects directly to our Gateway.
Through it, the user can select their preferred payment method and complete the transaction simply and securely.
ifthenpay.me
ifthenpay.me is a solution for those who want to receive payments without needing a POS.
These payments can be made in person or remotely in an easy way by scanning a QR Code.
POS - Automatic Payment Terminal
Improve the payment experience in your business with Automatic Payment Terminals (POS).
Fast and secure, POS terminals allow quick payments via cards, Contactless, MB WAY, Apple Pay and Google Pay.
Direct Debits
Optimize payments in your business with ifthenpay Direct Debits.
Secure and automatic, they ensure regular collections without manual intervention, making recurring payments more efficient.
Online Payments
No monthly fees, minimum transactions, lock-in periods or exclusivity contracts
0.20€ + 1.5%
0.07€ + 0.7%
0.57€
0.20€ + 1.5%
Credit Card Consumer
The European Economic Area
0.00€*
0.45€
0.20€ + 1.5%
Credit Card Consumer
The European Economic Area
0.20€ + 1.5%
Credit Card Consumer
The European Economic Area
0.20€ + 3.5%
* ifthenpay does not charge any commission for the integration of this payment method. Payment in instalments with 0% interest and fees will be made using the customer's debit or credit card through a payment solution based on a factoring agreement between Cofidis and the merchant. For more information, please contact Cofidis, registered with the Bank of Portugal under no. 921.
VAT at the legal rate in force applies.
Sign Up for ServicesPOS Payments
Take advantage of our offer through the SMART POS or the CLASSIC POS
CLASSIC POS
Contactless
Keyboard
Robust
Autonomy
Data Card
Integrated Printer
MB WAY
SMART POS
Contactless
Touch Screen
Wi-Fi
Direct Billing*
Data Card
Integrated Printer
MB WAY
Available Methods
0.7%
For each effective payment
Credit Card consumer
The European Economic Area (EEA)
12€
Monthly Rental
VAT at the legal rate in force applies.
*Not included. Possibility of billing software integration to issue invoices directly on the POS.
Rent a POSNews and Updates
All releases in the media
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23
JAN
2026
We are a Portal da Queixa Recommended Brand 2026 for the second consecutive year
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10
DEC
2025
New ifthenpay Android App: Faster, Simpler, More Intuitive
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02
DEC
2025
We have made our payment methods available on the MemberPress WordPress plugin
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17
NOV
2025
We announce a new Multibanco plugin for FluentCart
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17
OCT
2025
We celebrate 20 years since the first Multibanco reference was paid
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08
OCT
2025
We are releasing a new plugin for Moodle
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25
SEP
2025
Integration of ifthenpay payment gateway in Odoo
SEE MORE
SEE MORE
