How to receive online payments (Multibanco, MB WAY, card)

What is it for?

It lets the customer pay an invoice from the invoice page, with a Multibanco reference, with MB WAY or by card, through a payment provider (Eupago or ifthenpay). The provider comes switched off and using the simulator: nothing is sent to any real provider until someone deliberately switches it on. This article shows how to prepare the provider, what the customer sees and how the accountant follows the request. What to do after the money reaches the bank is in reconcile the online payments received.

When to use it?

• When the company wants customers to pay invoices online, without waiting for a bank transfer.
• When the company has two accounts with the same provider (for example, one per invoice series). Note: in the current version, the customer's invoice page does not choose the account by the invoice's journal (see “Several accounts” in Important notes); do not rely on this field to separate the entities customers see.
• It is not for issuing a Multibanco reference at the counter or in instalments, or for importing the bank's collections file: see collect with Multibanco references.

Where to find it?

• Provider record: Accounting › Reconcile › Online payments › What is there to do with the online payments? › Supporting lists › Online payments. The Administrator also opens it in Sales › Configure › Online payments.
• Provider keys: Accounting › Configure › Credentials vault › Credentials.
• Provider notices: Accounting › Reconcile › Online payments › Online payment notices.

Before you start

• Your profile is Administrator. Only the Administrator changes a provider: the Certified accountant, Management, the Accountant and the Auditor open the record and read it, and the Accountant can check the status of a request. The Billing profile has no access to the record (confirmed on screen with each profile).
• The company must have Portugal as its tax country and the invoices must be in euros: the provider is not offered to other companies or other currencies.
• You need the commission expense account (class 62) and the VAT of the commission as they appear on the provider's invoice. In production you also need the provider's keys, stored in the vault. This article uses no real keys or accounts: everything shown was done with the simulator.

How to use it

1. Open Supporting lists › Online payments. The list shows the company's providers (Eupago and ifthenpay), each one Test and Published or Unpublished. The demo comes with one account of each already published and another in reserve, unpublished.
2. Open Eupago. With Live off and Use the simulator on, the record shows the TEST MODE banner and the payment methods Credit / debit card, MB WAY and Multibanco switched on. In the Account at the provider group fill in:
   • Credentials in the vault: only if the company has more than one account with this provider; type the description of this account's vault entry (step 5). If empty, the company's only entry is used.
   • Customer invoice journals: the series whose references and payments should go through this account. If empty, it is the default account. Today the choice only separates the accounts on the record (one journal per account); on the customer's invoice page the request comes from the default account (see Important notes).
   • Ask the provider every (minutes): how often fiscaldoo asks the provider whether a customer has paid (10 by default).
   • Commission expense account and VAT of the commission: where the commission the provider keeps is posted. Without these two fields the provider's transfer cannot be posted. Pending validation by a certified accountant: the account and the VAT to use for each provider's commission.
   • Last state query is read-only.
3. To switch on the provider click Not Published: it changes to Published. In test mode and with the simulator, the customer already sees the three methods on the invoice page. The same applies to ifthenpay, which has the same fields.
4. If the company has two accounts with the same provider, the second one (the reserve account in the list) is filled in as in step 2, with Credentials in the vault and at least one Customer invoice journal, and only then published. If the first account is already the default account (no journals), the second one must have journals, otherwise the record does not let you publish (see “Common problems”). Each journal can only be on one account. Remember the warning in “Several accounts” in Important notes: the record accepts this setup, but the customer is not routed by it.
5. The provider's keys are stored in Credentials vault › Credentials › New. In Portal choose the provider's type (Eupago - API key, Eupago - notice (webhook) key, or the ifthenpay ones: Multibanco key, MB WAY key, card key, back office key and anti-phishing key (notice)) and type in Description the same text you put in Credentials in the vault. The secret is stored encrypted and never appears on screen again. Pending validation on screen: filling in and saving a real provider key, because this demo cannot use real keys or accounts and the simulator does not ask for them.

What the customer sees

1. On the invoice page (the link the customer receives), the customer clicks Pay Now, chooses Multibanco, MB WAY or Credit / debit card and clicks Pay.
2. With Multibanco, the page shows the Entity, the Reference, the Value (fixed) and Pay until. Here: entity 11249, reference 275 100 172, €123.00, until 02/12/2026. The entity and reference come from the simulator; they cannot be used to pay anything.
3. Until the provider confirms, the invoice page says “Your payment has been processed but is waiting for approval.” and the Pay Now button disappears.

How to follow a request

1. On the provider record, click the Transactions button (the counter shows the requests and the amount). The list opens filtered by Confirmed, so it appears empty while no customer has paid: remove the filter to see the pending requests.
2. Open the request: it has the Value, the Customer, the Provider, the Payment Method and the state (Pending until paid). The Administrator, the Accountant and Treasury see the Check now button, which asks the provider straight away whether the customer has paid. The request only changes to Confirmed if the provider confirms it.
3. With the simulator, the answer is “Provider answer. Not paid yet: the provider still waits for the customer.” fiscaldoo refuses a second check a few seconds later.
4. The notices the provider sends when the customer pays are kept in Online payment notices (read-only). In the demo it is empty: “No payment notice received yet”.

Expected result

• The provider published in test mode offers Multibanco, MB WAY and card on the page of the company's invoices in euros; each request appears on the “What is there to do with the online payments?” dashboard (unpaid) and in the provider's list of requests.
• The request stays Pending until the provider reports that the customer has paid. Then the invoice becomes paid and the money reaches the bank later, in a single transfer from the provider, minus the commission: what to do next is in reconcile the online payments received. Pending validation on screen: a customer's actual payment and the invoice becoming paid. With the simulator the provider always answers “not paid yet”, and making a test request get paid would need a real provider (even in sandbox), which this demo cannot use.

Important notes

Production only with the simulator off and the keys in the vault

Do not switch on Live without switching off Use the simulator: the screen refuses, because nothing would be charged. Only move to production after confirming with the person responsible for tax the keys in the vault, the commission account and the VAT of the commission.

Several accounts: the choice by journal does not apply on the customer's invoice page

The Customer invoice journals field was designed so that an invoice uses the account of its series. In the demo, the customer opened the page of invoice FT E26/1, from series FTE (the second account's journal), and requested payment by Multibanco: the request (still Pending, nothing was paid) came from the default account (entity 11249), not from the second account. Until this is fixed, do not rely on the field to separate the entities customers see and do not use it as the only separation between two companies or two series with different accounts at the provider.

• Online payments only work for companies with Portugal as tax country and in euros.
• Besides the published account, the demo has a reserve account (Unpublished) for each provider. If you publish a second account, give it a name that tells it apart (for example “Eupago - conta 2”): two accounts with the same name “Eupago” get mixed up in the lists.

Common problems

“The company already has a default account at this provider”

• Symptom: when you publish the second account without choosing journals: “Validation Error. The company already has a default account at this provider. Choose the invoice journals of this account, or unpublish the other one, so that each journal has one account.”
• What to do: choose the second account's Customer invoice journals and publish again. If the same journal is already on the other account, the screen asks you to remove it from one of them.

“Production cannot use the simulator”

• Symptom: when you switch on Live with the simulator on: “Validation Error. Production cannot use the simulator, because nothing would be charged. Turn the simulator off and fill in the credentials in the vault, or keep the provider in test mode.”
• What to do: keep test mode, or switch off the simulator and fill in the keys in the vault.

I cannot change the provider

• Cause: only the Administrator changes the provider. The other profiles read the record and get “You do not have permission to change “Payment Provider””. Billing cannot even open it: “You do not have access to “Payment Provider””.

The provider's list of requests appears empty

• Cause: the list opens with the Confirmed filter. Remove it to see the pending requests.