Activate subscriptions and recurring payments in your business and watch your sales grow.

How it works

MB WAY Authorised Payments allow your customers to make a one-time approval of a predefined amount that can be charged for each purchase or subscription/month without requiring further approvals. This will allow your customers to make purchases in your online store or Marketplace with just one click, significantly simplifying the purchasing process, encouraging recurring purchases and thus contributing to increased sales.

At the checkout of your online store offer the payment method “MB WAY Authorised Payments” and your customers will only need to complete the process on their MB WAY app.

Subscriptions

Automatic payments of subscriptions (monthly, annual, or other) without the need for the consumer to authenticate each payment, on each of the billing dates.

One Click

Payments for one-off purchases at a merchant, where the consumer can make the next purchases without having to validate.

How it starts

The process of subscribing to the Authorised Payments feature is simple, fast and designed to offer maximum convenience and security for both users and member companies. This process takes place digitally and is easily managed via the MB WAY app, ensuring a smooth experience.

The subscription consists of the user choosing the company or service for which they want to activate authorised payments. This option usually appears at the time of contracting or when making the initial payment for a good or service, as described below.

Step 1: Authorisation Request

The company issues a payment authorisation request to the user, which is sent directly to the MB WAY app via the SIBS Gateway. This request includes clear information on the amounts, the frequency (if applicable) and the terms of the authorisation.

Step 2: Confirmation and Authentication

The user receives a notification in the MB WAY app and is directed to the order detail. After checking the conditions presented, they confirm the authorisation using strong authentication (e.g. MB WAY PIN or biometrics). This step ensures that only the authorised user can validate the process.

Step 3: Authorisation activation

After confirmation, the authorisation is activated, allowing the company to process future payments within the agreed limits. The user can, at any time, consult, modify or cancel this authorisation directly in the MB WAY app.

This operation significantly improves the customer experience by eliminating the need for repeated authorisations, promoting greater convenience and loyalty. With MB WAY Authorised Payments, SIBS offers a practical and efficient solution that benefits both consumers and merchants, facilitating day-to-day payment management and contributing to more modern and effective collection processes.

SIBS offers card transaction acceptance services in an e-commerce environment, covering the international brands Visa, Mastercard, American Express and UnionPay (UPI).

The solution is fully compliant with the efficiency and security standards stipulated by these brands, using international security standards such as PCI-DSS and 3D Secure, guaranteeing the protection of transactions.

On Card the user has the Purchase and Token scenarios available on Sandbox.

In each of the available test scenarios, after clicking on Run in Postman, you will get an API Response and a specific Webhook Response.

Purchase

Result Status	Status Description	StatusCode	Postman
Success	Success	000	?
Failed	Invalid card data. Card number, CVV or expiration date is invalid	E0700	?
Failed	Invalid card	E0701	?

Token

Result Status	Status Description	StatusCode	Postman
Generation – Success	Success	000	?
Purchase – Success	Success	000	?
Generation – Failed	SIBS Internal Error	E9999	?
Purchase – Failed	Invalid card	E0701	?

The MULTIBANCO reference payment method, also known as Payment for Services, has been optimised and, in order to make it more adapted to digital commerce, it has been included with the possibility of generating references in real time via webservices, allowing the attributes of amounts and start and end dates of validity of the reference to be parameterised immediately.

In each of the available test scenarios, after clicking on Run in Postman, you will get an API Response and a specific Webhook Response.

Generate

Result Status	Status Description	StatusCode	Postman
Pay Reference – Success	Success	000	?

Expired Reference

Result Status	Status Description	StatusCode	Postman
Failed	Payment reference is cancelled	E0612	?

Expired Reference

Result Status	Status Description	StatusCode	Postman
Failed	Payment reference is cancelled	E0612	?

MB WAY is SIBS’ mobile solution that offers an innovative approach to online and physical payments, instant transfers, generation of MB NET virtual cards and withdrawals via smartphone, tablet or PC.

Payment card holders who are members of MB WAY can make purchases with the highest level of security guaranteed, because no payment card data is ever exposed and because there is no need for the user to authorise each debit – this authorisation is done in the MB WAY app using data that only the user knows or holds (PIN code or fingerprint).

In the context of MB WAY purchasing with an alias refers to the ability to make payments using a simplified identifier, like a phone number or a user-specific alias, rather than entering detailed account or card information.

On MB WAY the user has the Purchase with Alias and Authorised Payments scenarios available on Sandbox.

Purchase with Alias

With MB WAY, users can associate their bank account or payment details with a unique alias (a phone number). This alias allows them to make payments without needing to enter sensitive information such as account numbers or card details every time they make a transaction.

In each of the available test scenarios, after clicking on Run in Postman, you will get an API Response and a specific Webhook Response.

Result Status	Status Description	Status Code	Run in Postman
Success	Success	000	?
Failed	Operation was not accepted by the card holder	E0500	?
Failed	Invalid request, data is missing or is invalid	E0501	?
Failed	Insufficient funds	E0113	?
Failed – Non-existent alias	The provided alias has an invalid format	E0504	?
Failed – Non-existent alias	The provided alias does not exists	E0506	?

Authorised Payments

MB Way’s ‘Authorised Payments’ feature is an innovative solution that allows users to authorise recurring or one-off payments in a simple, secure and convenient way. Authorised Payments are particularly useful in situations that require the automation of payment processes, such as subscriptions, automatic payment services or periodic collections. Its main benefits include ease of use, which allows users to activate, manage and cancel payment authorisations directly from the MB WAY app, eliminating the need for manual intervention for each transaction. It enables high levels of security through the use of strong customer authentication and strict compliance with PSD2 standards, ensuring the protection of data and transactions.

There are two different types of Authorised Payments: 

• One Click: for one-off payments, in which the customer can perform purchases without the need of validation; 
• Subscription: automatic recurring payments (e.g. monthly, yearly subscriptions, etc.) without the need of customer authentication for each billing payment. 

In each of the available test scenarios, after clicking on Run in Postman, you will get an API Response and a specific Webhook Response.

Result Status	Status Description	Status Code	Postman
Oneclick – Success	Creation	000	?
Oneclick – Success	Payment	000	?
Oneclick – Success	Refund	000	?
Oneclick – Success	Cancelation	000	?
Oneclick – Failed	Cancelation	E0520	?
Oneclick – Failed	Payment	E0518	?
Subscription – Success	Creation	000	?
Subscription – Success	Payment	000	?
Subscription – Success	Refund	000	?
Subscription – Success	Cancelation	000	?
Subscription – Failed	Cancelation	E0520	?
Subscription – Failed	Payment	E0518	?

vTerminal is a web-based virtual terminal which allows you to accept financial transactions via MB WAY and also generate MULTIBANCO References.

This solution lets you send payment notifications for your clients (via MB WAY) or MULTIBANCO References (via SMS).

The benefits of using vTerminal are:

If you want to learn more about vTerminal, click here.

Front office operations

The SIBS Gateway supports two types of operations, purchases and authorisations, where the purchase triggers the payment immediately and the authorisation keeps the amount captive until a capture is performed. 

Purchase: This transaction allows a Cardholder to pay for a good or service via an electronic operation that debits his account and will credit the Acceptors banking account. Consists in an immediate debit in the Client account and it is an effective payment on the moment of the transaction. 

Authorisation: Consists in an authorisation for a future payment. It allows the Merchant to get an authorisation from the Issuer keeping the amount captive in the Cardholders banking account; the transaction is authorised and the purchase will be triggered in a second moment, when the merchant needs to trigger a “Capture” on the Backoffice. 

Backoffice operations

At a back-office level, MB WAY supports the following types of operations: 

Capture

Used when the Cardholder has provided an authorisation for the payment on a 1st stage and the amount is captured. Used on a 2nd stage to execute the payment, which can happen in different ways (always triggered over an authorisation): 

• Full: capture the full amount authorised and finish the purchase; 
• Partial: split the capture and do several payments up to the total amount authorised. 

Refund

The purpose of this operation is to refund the amount of a previous payment, crediting the Cardholder account and debiting the Merchant account. A refund can be: 

• Full: when the total amount of the purchase is refunded to the Cardholder; 
• Partial: when a subtotal of the total purchase is refunded to the Cardholder.

Cancellation

Requests the cancellation of the amount (full or partial) of a previous authorisation.

It is possible to establish the relationship below among the Front office & Backoffice operations, having in mind that Backoffice operations will act on the Front office operations: 

	Purchase	Authorisation	Capture
Capture		1
Refund	4		3
Cancellation		2