A gateway is a tool that enables businesses to process online transactions securely. It serves as a link between customers and stores, facilitating transfers through various methods such as credit cards, mobile wallets, and digital systems. With the rise of e-commerce, companies must choose an option that aligns with consumer preferences. While credit cards and PayPal are widely accepted, MB WAY and Multibanco are restricted to specific regions. Selecting the right solution enhances both security and convenience for all users.
NOWPayments stands out as the leading provider in Portugal, offering support for multiple currencies, including cryptocurrencies. The platform is easy to use, with low transaction fees, making it perfect for businesses targeting both local and international markets. Its flexibility ensures smooth processing for various types of transactions, offering a dependable option for businesses worldwide.
As payment trends shift, businesses in Portugal will need to choose the right provider by 2026. With increasing mobile transactions and online banking, companies need a processor that supports both traditional card payments and emerging methods like MB WAY. For global expansion, a system that handles cross-border transactions is essential. A gateway that integrates local options like Multibanco and global solutions like Apple Pay ensures a seamless, secure experience for all.
Here’s a list of payment gateways for Portugal in 2026:
- NOWPayments
- Easypay
- Stripe
- PayPal
- MB WAY
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
We aimed to fairly evaluate the key factors that matter most to businesses in Portugal when selecting a provider. Our analysis focused on both global solutions that facilitate cross-border transactions and innovative technologies, as well as local options.
We considered three primary factors when evaluating services:
- Support for Various Options: It’s essential for businesses to offer customers the flexibility to choose their preferred method, whether it’s MB WAY, Multibanco, credit cards, or digital wallets, for both in-person and online purchases.
- Transaction Fees: Different processors impose varying charges for transactions locally and internationally. This can be a significant concern for companies looking to reduce costs.
- Processing Speed: Quick processing is essential for smooth and efficient operations. In rapidly growing digital landscape, consumers expect their transfers to be completed instantly.
The table below compares how each solution performs across these critical factors. We’ll dive deeper into the details of each provider.
| Payment Gateway | Payment Methods Support | Transaction Fees | Transaction Speed |
|---|---|---|---|
| NOWPayments | 350+ cryptocurrencies and 40+ fiat options | 0.5% per crypto transaction; 0% network fees on USDT TRC20 for the first 2 months. | 5 seconds (for TRON) and up to 5 minutes (for other coins). |
| Easypay | Visa, Mastercard, Apple Pay, Google Pay. | €0.25 + 1.50% per transaction. | Same-day to next-day depending on method. |
| Stripe | Cards (credit/debit), Apple Pay, Google Pay. | ~1.5% + €0.25 for card payments. | 1–2 business days for settlement. |
| PayPal | PayPal wallet, cards, crypto payments (via Pay with Crypto). | ~1.2% to 2.9% + fixed fee for cards and standard payments. | Instant to same-day for PayPal balance; 1–3 days for bank transfer. |
| MB WAY | Portuguese mobile payment via phone number and app. | ~1.50% + fixed fee, depending on PSP. | Instant at checkout. |
NOWPayments
NOWPayments is the best crypto payment gateway for businesses in Portugal and globally to process cryptocurrency transactions, offering a wide variety of options. It supports over 350 digital currencies and 40 fiat currencies, making it highly adaptable for companies looking to expand their options for paying. The platform’s low fees and fast processing speeds facilitate seamless cross-border transactions, helping companies handle payments more efficiently. With compatibility for both traditional and digital methods, NOWPayments allows businesses to serve customers worldwide.
Payment Methods Support. NOWPayments accommodates more than 350 cryptocurrencies and 40 fiat currencies, providing businesses with a wide range of options. This flexibility makes it easy for companies to accept payments from customers globally. It also supports popular methods, streamlining the process for both merchants and buyers.
| Payment Method | Supported |
|---|---|
| Cryptocurrencies | 350+ |
| Fiat Currencies | 40+ |
Transaction Fees. For the first two months, NOWPayments waives network fees for USDT TRC20 deposits, allowing merchants to save on processing costs. A 0.5% fee applies for cryptocurrency transactions, offering businesses an affordable solution to integrate digital currency payments. This simple pricing model helps companies plan their finances effectively.
| Fee Type | Amount |
|---|---|
| Crypto Payments | 0.5% |
| USDT TRC20 (New Partners) | Zero network fees for deposits for 2 months |
Transaction Speed. Transactions made with TRON are completed in just 45 seconds, while others may take up to three minutes. This fast processing is ideal for companies that want to enhance their customer experience by speeding up payments. NOWPayments’ quick confirmation ensures a smoother, faster transaction process, making it a strong choice for businesses looking to improve efficiency.
| Speed Metric | Timeframe |
|---|---|
| TRON Confirmation | 45 seconds |
| Other Crypto Confirmation | Up to 3 minutes |
| Fiat Payment Processing | Up to 5 minutes |
Easypay
Easypay is a trusted gateway in Portugal, enabling companies to accept payments from both local and international sources, including Visa and Mastercard through popular options like MB WAY and Multibanco. This service is beneficial for companies in Portugal and e-commerce platforms globally, as it processes transactions via credit cards and digital wallets. It offers clear pricing and a variety of options, simplifying the process of receiving funds. It ensures a secure way for businesses to handle transactions, whether within Portugal or internationally.
Payment Methods Support. Easypay supports a broad range of methods, including Apple Pay, Google Pay, MB WAY, Multibanco, Visa, and Mastercard. This wide variety allows companies in Portugal to accept the most common forms while also ensuring they can reach customers worldwide by offering diverse solutions. Digital wallets, along with credit and debit cards, make it easier to pay. By incorporating local methods, this provider also caters to customers in Portugal, ensuring they can use the systems they prefer.
| Payment Method | Supported |
|---|---|
| MB WAY | ✅ |
| Multibanco | ✅ |
| Visa | ✅ |
| Mastercard | ✅ |
| Apple Pay | ✅ |
| Google Pay | ✅ |
Transaction Fees. Easypay charges a transparent fee of €0.25 plus 1.50% per transaction. This straightforward structure makes it easy for companies to understand their costs and integrate the service without setup or monthly charges. It provides an affordable solution for merchants operating in Portugal, allowing them to offer secure and cost-effective payment options without the worry of high processing costs.
| Fee Type | Amount |
|---|---|
| Standard Transaction Fee | €0.25 + 1.50% |
Transaction Speed. Easypay ensures quick processing, with most transactions completed the same day or the following day. Payments via credit cards and digital wallets are usually instant. The processing time through MB WAY and Multibanco may vary depending on location and method. This solution helps companies maintain a smooth cash flow and meet customer expectations for fast transactions, improving both efficiency and satisfaction.
| Speed Metric | Timeframe |
|---|---|
| Card & Wallet Payments | Instant to same-day |
| MB WAY & Multibanco | Same-day to next-day |
| Fiat Payment Processing | 1-2 business days |
Stripe
Stripe provides an effective platform for companies to receive funds from clients worldwide. For instance, in Portugal, businesses can accept transactions via MB WAY or international credit cards. The solution is well-known for offering tools that are easy to integrate for developers. With its advanced gateway, merchants can process various options, such as Visa, Apple Pay, Google Pay, and other digital wallets. This service is popular among online shops as it simplifies cross-border payments and enhances the overall checkout process. Stripe ensures secure transfers with strong encryption and works smoothly with various platforms.
Payment Methods Support. Stripe enables payment processing through a variety of methods, including local options like MB WAY and global choices such as Apple Pay and Google Pay. This flexibility ensures that merchants are able to offer tailored solutions, adapting to diverse preferences across regions. It allows easy integration of different ways to transfer funds, which helps enhance efficiency and reach.
Transaction Fees. Stripe charges a low rate of 1.5% plus €0.25 per card-based transaction, making it a cost-effective solution. Its clear, upfront pricing ensures predictable costs without hidden fees. Since there are no setup or ongoing monthly charges, this solution suits firms looking for a straightforward, low-cost way to handle their transaction needs.
| Fee Type | Amount |
|---|---|
| Card Payments | ~1.5% + €0.25 |
Transaction Speed. With Stripe, funds are usually processed within one to two business days. For those needing quicker access, there is an option for faster payouts, available for an additional charge. This fast processing helps keep cash flow stable, which is crucial for operations that depend on efficient monetary exchanges.
| Speed Metric | Timeframe |
|---|---|
| Card Payment Processing | Instant to 1-2 business days |
| Instant Payout | Within minutes (additional fee) |
| Fiat Payment Processing | 1-2 business days |
PayPal
PayPal provides a flexible solution for handling transactions globally, including options like cryptocurrency, credit cards, and the “Pay with Crypto” feature. Widely recognized for its security and reliability, it offers a safe method for transferring funds, helping enterprises around the world process payments efficiently. Due to its global accessibility and advanced technology, it is an attractive choice for those looking to streamline transactions across borders. It’s especially beneficial for firms in Portugal and abroad, offering ease of use and a large user base.
Payment Methods Support. PayPal allows organizations to process transfers using various methods such as its wallet, credit cards, and cryptocurrencies through “Pay with Crypto.” This extensive range of choices ensures that merchants can accommodate diverse client needs. With its international presence, it is perfect for those wanting to serve a global audience. The trusted platform also helps simplify online purchases by leveraging its wide network.
| Payment Method | Supported |
|---|---|
| PayPal Wallet | ✅ |
| Credit Cards | ✅ |
| Crypto Payments | ✅ |
Transaction Fees. PayPal charges additional costs beyond the base rate for card transactions, with fees ranging from 1.2% to 2.9%. Extra charges are also applied when converting currencies. Although it remains a popular and secure option, this service may be more expensive compared to other providers. Its transparent pricing structure helps users anticipate costs, with no monthly or setup fees involved.
| Fee Type | Amount |
|---|---|
| Standard Transaction Fee | ~1.2% to 2.9% + fixed fee |
| Currency Conversion Fee | Varies depending on currency |
Transaction Speed. PayPal processes transfers swiftly, often completing them the same day. However, bank transfers may take one to three days. For even faster service, it offers an instant transfer option, available for an additional charge, ensuring quick access to funds. This fast processing makes it ideal for firms requiring prompt online transactions to maintain cash flow.
| Speed Metric | Timeframe |
|---|---|
| PayPal Balance | Instant to same-day |
| Bank Transfer | 1-3 days |
| Instant Transfer | Within minutes (additional fee) |
MB WAY
MB WAY is a top mobile payment option in Portugal, allowing users to complete transactions through their phone numbers linked to digital wallets. With the app, people can securely complete purchases and monitor their spending directly from their devices. This method is one of the quickest and most reliable ways to process transactions, especially for online purchases or services. Its speed and security make it a preferred solution for companies aiming to improve their transaction systems and offer a seamless experience to their clients.
Payment Methods Support. By connecting a user’s phone number to their bank account, MB WAY makes transactions smoother. The app also integrates with payment cards, speeding up the overall process. This solution is especially beneficial for firms in Portugal seeking to provide a convenient and safe option for local consumers to pay.
| Payment Method | Supported |
|---|---|
| Mobile Payments | ✅ |
| Credit Cards | ✅ |
| Local Payments | ✅ |
Transaction Fees. The fees for MB WAY transactions, set by payment service providers, typically range from 1.5% plus a small fixed charge. This pricing structure is more affordable than other methods and international alternatives, making it an attractive choice for companies looking to minimize transaction costs. The transparency of the system ensures easier management of expenses, benefiting both merchants and their clientele.
| Fee Type | Amount |
|---|---|
| Transaction Fee | ~1.50% + fixed fee |
Transaction Speed. MB WAY processes transactions almost instantly, with immediate confirmation provided through the app. This feature makes it a fast and efficient choice for firms needing quick processing. The app’s ability to verify payments in real-time aligns with Portugal’s preference for speedy transactions, ensuring businesses receive funds promptly while keeping customers satisfied.
| Speed Metric | Timeframe |
|---|---|
| Mobile Payment | Instant |
| Payment Confirmation | Immediate |
Final Thoughts
In this article, we’ve reviewed the leading gateways for companies in Portugal, such as NOWPayments, Easypay, Stripe, PayPal, and MB WAY, emphasizing their ability to handle transactions locally and internationally. NOWPayments stands out for its adaptability, enabling enterprises to accept various methods within this location, including card-based options and digital currencies. The platform integrates seamlessly with payment technology, ensuring smooth processing while adhering to the regulations outlined in the payment services directive. By offering reliable solutions and supporting widely used digital systems, NOWPayments proves itself an excellent choice for organizations looking to streamline transactions in a market with a growing preference for mobile and secure methods.
NOWPayments‘ support for alternative systems, such as mobile wallets, ensures that companies can meet the demands of Portugal’s environment, which blends local and global services. The platform’s quick processing capabilities and immediate transaction confirmations improve the experience for both merchants and their clients. With a strong infrastructure, businesses have the tools to accept transactions locally and globally, and NOWPayments offers a future-ready solution that aligns with the country’s evolving landscape and technology trends.