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Before you tell us what you need, you should know that there are two different types of multibanco references, both of which are marketed by LUSOPAY: multibanco references by check-digit and multibanco references per file.

The multibanco references by check-digit are composed of 9 digits, of which the first 7 are a pre-reference and the eighth and ninth digits are the check-digit. The check-digit is a verification code that results from a mathematical operation that includes the analysis of the figures of the entity, the pre-reference and the amount to be paid. Do not worry, you will not have to do anything! It is the multibanco system and LUSOPAY system that do this automatically and in a fraction of a second. Once the check-digit value has been determined, the 9-digit reference is complete (7 of the pre-reference plus the 2 of the digit check). LUSOPAY system will provide you with the entity, the 9-digit reference and the amount to be charged that then you can show your customer for payment. When your customer goes to an ATM or an homebanking, the customer can pay, and as long as he enters the right numbers, he'll be able to pay. If he miss a number, the ATM will give the error information to the payer and will not let him proceed with the payment. This reference type has no expiration date and is always payable. It only demands that the check-digit is correct and then the ATM system accepts the payment. It is the ideal reference for online commerce or situations where you want a reference that is immediately available to be paid.

The other type of reference, multibanco references per file, do not have pre-reference, nor check-digit. The reference is composed of 9 digits. These references are only payable in the ATM network after communication of the reference number, and may or may not be add an expiration date and may or may not be set an amount to be paid. That is, it can be defined that reference 123 456 789 has the amount of € 50.32 payable up to April 30, 2053, but we can also define that reference 123 456 789 may have any value between € 1.20 and € 99,999.99 and without a payment deadline. In the latter case, the payer will choose the amount he wants to pay inside that defined range. This is a useful reference type for situations in which the client is required to define the value of a donation or the amount to be charged to his current account (eg. telecommunications). It has the disadvantage of having to communicate this data to LUSOPAY and LUSOPAY to SIBS (onwer of multibanco network). The communication of the reference generation and its validity and value data is done in real time by API, but the process of communication from LUSOPAY to SIBS and from SIBS to the ATM network can take up to 2 business days to the reference that generated available for payment.

LUSOPAY has enabled micro, small and medium businesses, individuals, associations or condominiums to benefit from the advantages of the Multibanco reference system to receive payments for their services, products, quotas, etc. How? Creating software that allows the use of multibanco references without the need for development costs by our customers, as well as allowing the use of the ATM system without the need for your company to acquire a multibanco entity for your own business.

In addition, we support the software prodution companies to develop the integration of the software applications that they commercialize with the system of payments by multibanco references.

So, it is very simple for your company to use these payment systems. Sign up of our service is extremely fast, and your company in a few minutes can be issuing invoices or other documents of collection with the entity 11024 (references by check-digit) and 21759 (references per file) and the respective multibanco references.

pagamentos lusopay


1. Celebrate contract with LUSOPAY by clicking on the SIGN UP button and fulfilling the form.

2. After the first step, you can send us a message through LUSOPAY homebanking informing us of your desire to use multibanco references. You receive a code, so that your software (billing or online store) can generate the multibanco references for entity 11024 or 21759.

4. Send invoices, billing letters or other documents for your customers to pay with the references. Whenever a customer of yours pays you by multibanco reference, you will be notified by email of this payment in real time. Any software with full integration of our service also receives these notifications automatically by Internet (API), allowing to issue the respective receipts.

If you have any questions, contact us through the form at the bottom of this page.


Not being essential the integration of the software that you use in your business with the services of LUSOPAY, that is very useful. The good news is that there are already several software solutions integrated with our payment systems and many others are underway. This integration, when existing, makes the use of LUSOPAY even faster and more interesting.

In the software list below, there are solutions that have integrated the multibanco references.
If your software is proprietary or not included in the list below, we can provide an integration manual (API) as well as spreadsheets (Microsoft Excel, LibreOffice Calc, OpenOffice Calc, etc.) or use our homebanking to generate Multibanco references.

ERP and invoicing software:

ERP da Primavera
PHC Enterprise
Globalsoft (autarquias)
Globalsoft (health)
Alidata Software ERP
Sendys ERP
Gescom da Inforlíder
GESCORP (firemen corporation management)
KiCLINIC (health)
Mdi Facturação

Real estate software:

Gecond (condominium management software)
Flexdomus (condominium management software)
Gesar (real estate rental management software)

Websites with e-commerce software integrated:

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E-commerce software with integrated modules:

LUSOPAY offers free modules for the integration of LUSOPAY payment services and for Multibanco references payments for online stores.

Click the respective links to see a page about the software. On this page you can download the module from the Multibanco references or you will be redirected to the space on the official website of the selected e-commerce platform where you can download our module. If the link is not active, please contact us so we can send you the module by email.

WooCommerce em WordPress
Drupal Commerce

After downloading the module you are interested in, contact LUSOPAY and you will be given an activation key.



Consult us to know costs with the multibanco references. You will easily understand why there are more and more people and companies joining LUSOPAY

Consult us by telephone: +351 22 731 10 51 or through the form below.


Getting more information is easy!