Ifthenpay

Ifthenpay provides digital payment solutions for businesses, enabling merchants to accept online and in-person payments via multiple networks and methods. The platform issues payment references (MULTIBANCO, MB WAY, PAYSHOP) and supports card payments, with real-time notifications, backoffice integration, and multi-channel capabilities. It also offers Pay By Link, PINPAY, QR/APP payments, and POS options to streamline payments and invoicing across channels.

• Payment references across MULTIBANCO, MB WAY, PAYSHOP, and credit cards
• 24/7 real-time payment notifications
• Multichannel payments: MULTIBANCO ATMs, Homebanking, mobile, mPOS, MB SPOT, MB WAY, PAYSHOP, Post Offices
• Bank independence within the SEPA zone
• Free app for payments tracking
• Backoffice and mobile app integration to generate and send payment requests
• Pay By Link, PINPAY, IFTHENPAY.ME
• POS options: SMART POS and CLASSIC POS
• Online invoicing and no buyer fees
• Easy integration with invoicing software and backoffice systems

• No monthly fees for Online Payments and flexible pricing
• 24/7 real-time payment notifications and secure processing
• Multichannel, bank-independent (SEPA) payments
• Data protection and no need to enter bank or card information for users
• Strong backoffice integration and easy invoicing workflow
• Additional solutions like Pay By Link, PINPAY, and POS extend payment acceptance across channels

• Online Payments: No monthly fees, no minimums or exclusivity contracts; fees shown as 0.07€ + 0.7%, 0.20€ + 1.5%, or 0.57€ per transaction
• Credit Card Consumer (EEA): 0.20€ + 1.5%
• Other card methods: 0.00€*; 0.20€ + 3.5%; 0.45€ (VAT added at the legal rate)
• Note: Some pricing is noted with footnotes; installation payments with 0% interest/charges may be handled via debit card or customer credit through a factoring contract with Cofidis
• Pricing subject to regional terms and backoffice/integration specifics