Lesson No.
LIÇÃO-PT-001
🇵🇹
PT
Date
2026-05-26
01
Lesson 01 of 08 · Payments
PublishedPushSMS

MBWay: second-level payment confirmations for Millennium, CGD, Novo Banco, Santander PT and BPI

MMBWay (operated by SIBS) reached ~70% adoption among Portuguese adults, the dominant channel for P2P and merchant payments. Millennium BCP, Caixa Geral de Depósitos, Novo Banco, Santander Portugal, BPI, Crédito Agrícola and Bankinter integrate natively. 4notify confirms transactions to customers in seconds with counterparty identity and amount.
Context

MBWay already shows an instant popup in its app, but the merchant needs separate communication on their own channel for CRM, retention and custom branding. Without it, the customer doesn't associate the purchase with your business.

Legal framework
Decreto-Lei n.º 91/2018 — Serviços de pagamento

Portuguese PSD2 implementation; immediate notification on durable medium mandatory.

Banco de Portugal — Aviso 7/2022

Rules for instant payment confirmations, including VoP.

SIBS Merchant API Terms

SLA 99.95% uptime, signed webhook, signing key rotation every 90 days.

Lesson (steps)
01

SIBS Merchant API webhook

SIBS sends payment event to 4notify within 1s of clearing. Payload contains merchant_id, amount, customer_ref, payment_id.

02

Transaction-type templates

Six templates: purchase_success, refund_issued, mbway_chargeback, pending_authorization, p2p_received, recurring_renewal. Bilingual pt/en.

03

IBAN/NIF masking in SMS

SMS shows only last 4 digits of counterparty IBAN; NIF never appears. Full IBAN available in app after authentication.

04

Dual-channel push + SMS

Push first for app users; SMS fallback in 5s if not acknowledged. Email for amounts >€2,000 as durable record.

Code
json
{
  "event": "mbway.payment.completed",
  "template": "mbway_purchase",
  "payment_id": "PT-MBW-20260526-A4F1",
  "amount": 89.50, "currency": "EUR",
  "merchant": "Loja Acme Portugal Lda",
  "counterparty": { "name_masked": "Joa*** Sil***", "iban_last4": "9821" },
  "channels": ["push", "sms"],
  "recipient": { "client_id": "MBCP-PT-204918", "phone": "+351912345678" },
  "compliance": { "psd2_durable_medium": true, "sibs_signing_key": "v2026Q2" }
}
Sample message
SMS

Loja Acme: MBWay payment 89.50 EUR confirmed. Ref ORD-2026-481923. Thank you!

Checklist
  • SIBS Merchant API access request submitted
  • Webhook signature verification (HMAC SHA-256) active
  • pt/en templates with safe-escape placeholders
  • P99 latency end-to-end <5s validated
  • 5-year retention for payment records
What 4notify does differently

Native SIBS Merchant API integration + automatic IBAN/NIF masking — Banco de Portugal Aviso 7/2022 compliant from the first message.

FAQ
Does 4notify replace the MBWay popup?

No — the MBWay popup shows as usual. 4notify is an additional layer on the merchant's own channel (branded SMS/email/push).

Can I use for refunds and chargebacks?

Yes — 'refund_issued' and 'mbway_chargeback' templates cover these with Banco de Portugal-compliant wording.

Start free

14 days, no card. Support in Portuguese and English.

Other primers