he SIBS Payment Gateway supports multiple payment methods that allow merchants to accept online payments through different customer experiences and execution models.

Payment methods define how a payment is initiated, confirmed, and completed, while SPG ensures a consistent way to create transactions, track their lifecycle, and receive status updates across all supported methods.

Payment Models

Payment methods can be used under different payment models, depending on the business scenario.

These models define how and when funds are authorized and settled, independently of the payment method itself:

• One-off payments, where a single transaction is created and completed
• Recurring payments, where payments are executed over time based on prior authorization
• Two-step payments, where authorization and capture occur in separate steps

A single payment method may support one or more of these models.

Available Payment Methods

The following payment methods are available through the SIBS Payment Gateway:

Cards

Card-based payments processed through SPG, supporting different payment models depending on the use case.

MB WAY

Mobile-based payments that require customer confirmation through the MB WAY application, supporting both immediate and authorized payment scenarios.

Multibanco Reference

Reference-based payments that allow customers to complete a payment outside the checkout flow, with confirmation occurring asynchronously.

Each payment method has its own characteristics in terms of customer interaction, confirmation timing, and lifecycle behavior.

Method-Specific Documentation

Each payment method is documented in detail in its own dedicated section, covering supported payment models, execution flows, and method-specific behavior.