MB WAY payments

MB WAY is a digital wallet payment method in Portugal. When paying with MB WAY, customers initiate payments using their phone number, and authenticate and approve them using their MB WAY app.

You get immediate notification of whether the payment succeeded or failed.

Payment flows

Customers pay with MB WAY using a phone number linked to their MB WAY app. After providing their phone number, customers receive a push notification in their MB WAY app, authorise the payment, then return to your website.

Transaction amounts between 0.50 EUR and 5,000 EUR are supported on MB WAY. MB WAY users have a default daily cumulative limit of 1,000 EUR, which they can adjust up to 10,000 EUR in the MB WAY app.

Here’s a demo of the MB WAY payment process using your checkout page and the MB WAY app.

Get started

Learn how to configure MB WAY as a payment method.

You don’t have to integrate MB WAY and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the Stripe Dashboard and enable MB WAY. To get started with one of our hosted UIs, follow a quickstart:

• Checkout: Our pre-built, hosted checkout page.
• Elements: Our drop-in UI components.

Other payment products

The following Stripe products also let you add MB WAY from the Dashboard:

• Payment Links

Disputes

MB WAY has a claims process that allows transaction disputes. Customers can open disputes for cases of suspected fraud, double payments or a difference between an order and a transaction amount.

After the customer initiates a dispute, Stripe notifies you using:

• Email
• The Stripe Dashboard
• An API charge.dispute.created event (if your integration is set up to receive webhooks)

Stripe holds back the disputed amount from your balance until MB WAY resolves the dispute.

We request that you upload compelling evidence proving that you fulfilled the purchase order using the Stripe Dashboard. This evidence can include the:

• Tracking ID
• Shipping date
• Record of purchase for intangible goods, such as IP address or email receipt
• Record of purchase for services or physical goods, such as phone number or proof of receipt
• Record of refund (for purchase you have already refunded)

To handle disputes programmatically, respond to disputes using the API.

This information helps MB WAY determine if a dispute is valid. Make sure the evidence you provide contains as much detail as possible from what the customer provided at checkout. You must submit the requested information within 7 calendar days. If MB WAY resolves the dispute with you winning, we return the disputed amount to your Stripe balance. If MB WAY rules in favour of the customer, the balance charge becomes permanent.

Refunds

You can refund MB WAY charges up to 365 days after the payment completes. Refunds usually take a few minutes to complete. MB WAY supports full and partial refunds. You can also issue multiple partial refunds up to the amount of the original charge.

Connect

A Connect platform can use Stripe Connect with MB WAY to process connected account payments of all charge types.

Connected accounts with full Stripe Dashboard access

Connected accounts with access to the full Stripe Dashboard, including Standard accounts, can enable MB WAY through their Dashboard. To check which accounts have enabled MB WAY, use the capabilities hash in the accounts webhooks or APIs to see if the mb_way_payments capability is set to active.

Connected accounts without full Stripe Dashboard access

To onboard connected accounts that use the Express Dashboard or a dashboard that isn’t hosted by Stripe, request the mb_way_payments capability using the Capabilities API. For more details, follow the instructions to enable payment methods for your connected accounts.