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Klarna + Stripe + PayPal + SIBS Pay, qual o stack de pagamentos certo?

The right Portuguese payment stack depends on your shopper mix + ticket size + B2B/B2C split:

  • MB WAY + Multibanco (via SIBS Pay or IfThenPay), mandatory. Without these, you lose 45%+ of Portuguese mobile shoppers.
  • Stripe (PT region), international cards + MB WAY (since 2023) + Klarna BNPL + Apple Pay / Google Pay. Easiest onboarding, best developer DX. ~1.5% + €0.25 per CB/Visa/MC transaction.
  • PayPal, ~25% Portuguese e-commerce penetration, still important for cross-border (UK + DE + ES + BR shoppers buying from PT stores).
  • SIBS Pay, direct SIBS PSP for €500k+ merchants. Cheapest per-transaction rates (~0.5% Multibanco, ~0.7% MB WAY), but more setup overhead.
  • Klarna, growing fast in PT (3x in 2024-25). Pay-in-3 + pay-later. Useful for fashion + electronics tickets > €50.
  • Hipay / EuPago, Iberian aggregators, good for PT + ES storefronts on one PSP.

Typical €500k store: SIBS Pay (MB WAY + Multibanco + cards) + Stripe (international cards + Klarna) + PayPal. Three PSPs cover 95%+ of PT checkouts.

Kishan Savaliya
Kishan Savaliya
Adobe Certified Magento Commerce Developer
Ahmedabad [IN]working hours, replies within four hours
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