Accept a payment - Multibanco

Securely handling multibanco payments

Multibanco is a voucher-based payment method commonly used in Portugal.

This integration combines the steps for creating a PaymentIntent with Multibanco and confirming the payment from your Flutter app.

1. Create

First, you need a Stripe account. Register now.

Server-side

This integration requires endpoints on your server that talk to the Stripe API. Use one of the official Stripe server libraries and follow the Multibanco setup in the Stripe docs:

Accept a payment with Multibanco

Client-side

Install the SDK:

• Run flutter pub add flutter_stripe
• Configure Stripe with your publishable key

void main() async {
  Stripe.publishableKey = stripePublishableKey;
  runApp(const App());
}

Use test mode keys while integrating and live mode keys when you go to production.

2. Add an endpoint [Server Side]

Create a PaymentIntent on your backend and include multibanco in payment_method_types.

Return the PaymentIntent client secret to your app.

Example request payload:

{
  "amount": 1099,
  "currency": "eur",
  "payment_method_types": ["multibanco"]
}

3. Collect and confirm payment details [Client Side]

Use the client secret returned by your backend, then call confirmPayment with PaymentMethodParams.multibanco.

Multibanco requires an email in billing details.

Future<void> _pay(BuildContext context) async {
  final result = await _createPaymentIntent();
  final clientSecret = result['clientSecret'];

  await Stripe.instance.confirmPayment(
    paymentIntentClientSecret: clientSecret,
    data: PaymentMethodParams.multibanco(
      paymentMethodData: PaymentMethodData(
        billingDetails: BillingDetails(
          email: 'multibanco@example.com',
        ),
      ),
    ),
  );
}

You can find the full runnable implementation in the example app screen: example/lib/screens/regional_payment_methods/multibanco_screen.dart.

4. Handle post-payment events

Listen for asynchronous webhook events like payment_intent.succeeded to confirm fulfillment.

Do not rely only on client callbacks for final order state.

5. Test the integration

Use Stripe test keys and follow the Multibanco testing section in Stripe’s docs:

Test your integration

For more details about end-to-end integration, see: Multibanco payments