MB WAY and Bizum on Shopify: Portuguese brands can now offer Bizum in Spain

For a Portuguese brand, offering Bizum in Spain has always been harder than it should be. It usually meant a Spanish payment provider or a solution on the Spanish banking network, with its own contract, a separate integration and one more payment source to reconcile. Many stores ended up selling into Spain with cards only.

That has changed. Bizum and MB WAY are now local payment methods in Shopify Payments itself. A store with a Shopify Payments account in Portugal can show MB WAY to customers in Portugal and Bizum to customers in Spain, in the same checkout, with payments landing in the same payout. Here is what you need, what it costs on each plan and how to switch it on.

Why this matters if you sell into Spain

Bizum is Spain's MB WAY: the customer pays with their phone number and approves in their banking app. According to Bizum, it has 31.5 million active users and is accepted by 120,000 online shops. For a Spanish customer used to it, not finding it at checkout is one more reason to drop a mobile purchase.

What changes with Shopify Payments:

• The account can be in Portugal. Portugal is on the list of supported account regions for Bizum, alongside Spain and 25 other countries.
• No contract with a Spanish provider. Bizum is switched on in the payment settings, like any other Shopify Payments method.
• One payout. Bizum payments are included in Shopify Payments payouts, together with cards and MB WAY. One less data source to reconcile with your ERP or invoicing.
• No third‑party transaction fee. With an external gateway, Shopify charges an extra fee per order. With the native method, that fee doesn't apply.

MB WAY in Shopify Payments: requirements and limits

MB WAY is documented in Shopify's help center as a Shopify Payments local method. The essentials:

• Customers: in Portugal only, in euros only, with an MB WAY account.
• How they pay: they pick MB WAY, enter their phone number and approve in the MB WAY or banking app within 4 minutes. If they don't, no order is created and they can retry or switch method.
• Amounts: €0.50 to €5,000 per order.
• Capture: automatic after approval. No manual capture.
• Refunds: full and partial, as with cards.
• Disputes: the customer raises them with their bank. You manage them in the admin, but MB WAY or the bank decides.
• Subscriptions: subscription products can't be paid with MB WAY.
• Where it shows: Shopify checkout and Shop Pay.

Bizum in Shopify Payments: what is documented

The Bizum page follows the same logic, with a few rules of its own:

• Customers: in Spain only, in euros only, with Bizum at a participating bank.
• How they pay: phone number at checkout and approval in the banking app within 4 minutes.
• Amounts: €0.50 to €5,000 per order. Automatic capture, full and partial refunds, no subscriptions.
• Tax details: before activation, the account needs the company tax ID or VAT ID. The legal name must match those details.
• Excluded sectors: gambling and betting, financial institutions, crypto, jewellery and precious metals, and political organisations can't offer Bizum.
• Time to appear: once enabled, it can take up to 2 minutes to show at checkout.

Fees per plan: MB WAY, Bizum and cards

Shopify's pricing page for Portugal now lists MB WAY and Bizum as separate rows. Online rates per transaction, checked on 12 November 2026:

• Basic: MB WAY 1.3% + €0.30; Bizum 1.8% + €0.30; standard card 1.8% + €0.30; third‑party gateway +2%.
• Grow: MB WAY 1.2% + €0.30; Bizum 1.6% + €0.30; standard card 1.6% + €0.30; third‑party gateway +1%.
• Advanced: MB WAY 1.1% + €0.30; Bizum 1.5% + €0.30; standard card 1.5% + €0.30; third‑party gateway +0.6%.
• Plus: MB WAY 1% + €0.30; Bizum 1.35% + €0.30; standard card 1.35% + €0.30; third‑party gateway +0.2%.

Two quick takeaways. MB WAY is cheaper than cards on every plan. Bizum costs the same as a standard card. On an €80 order on the Grow plan, MB WAY costs €1.26 and Bizum €1.58. With an external gateway, Shopify's 1% comes on top of whatever the provider charges, so €0.80 per order before any other fee.

How to enable MB WAY in Shopify Payments, step by step

Based on the official MB WAY help page.

1. 01In the Shopify admin, open Settings > Payments.
2. 02In the Shopify Payments section, click Manage.
3. 03Open More actions and choose Manage payment methods.
4. 04Under Local payment methods, click the three‑dot menu next to MB WAY, then Enable.
5. 05If your store isn't in Portugal or MB WAY doesn't show, check your markets: you need one with Portugal in euros.
6. 06Test it next: place a small real order from Portugal on a phone, approve it in MB WAY and check the order is created, the payment shows in the payout and a partial refund works.

And Bizum?

The steps are the same, choosing Bizum in the local methods list. First make sure the account's tax details are complete and you have a market with Spain in euros. Test with a customer in Spain: Bizum only shows to people buying from there.

Portugal and Spain in one store with Shopify Markets

Many of the brands we work with sell in both countries from the same store. With both methods native, the setup is simple:

• Portugal market (EUR): cards, MB WAY and whatever else you already use. Bizum never shows to these customers.
• Spain market (EUR): cards and Bizum. MB WAY never shows to these customers.
• Local methods are shown by the customer's location, not the store's. You don't need rules to hide them.
• Mobile first: both methods live on the phone. Test the full flow on a phone, including the switch between browser and banking app.

Moving from an external gateway without losing sales

If you offer MB WAY or Bizum through another provider today, the switch is simple but worth doing in order:

1. 01Confirm the native method shows in your admin. Until then, keep your current provider.
2. 02Enable and test with small real orders on mobile, both approved and declined.
3. 03Check reconciliation: your ERP or invoicing software has to recognise the new gateway on orders and refunds.
4. 04Turn off the duplicate method from the old provider, so customers don't see two MB WAY or Bizum options.
5. 05Keep the old provider as long as needed to handle refunds and disputes on earlier orders.
6. 06Monitor conversion by payment method for two to four weeks.

Limitations to keep in mind

• €5,000 cap per order on both methods. For large orders, especially B2B, keep cards or bank transfer.
• No subscriptions: subscription products still need a card.
• Online only in Portugal: Shopify Payments in Portugal doesn't process in‑person payments. POS still needs an external terminal and provider.
• Your current provider's features: if you rely on reports, payment links or integrations only they offer, check what you lose before switching.
• Bizum in early access: availability may roll out gradually.

Multibanco references are also native in Shopify Payments for customers in Portugal. And, according to Shopify's roadmap, another batch of local methods is planned for the first quarter of 2027.

FAQ

We work with more than 40 Shopify Plus stores in Portugal, many of them also selling into Spain. For the rest of checkout, see how to customise Shopify checkout and what's new in Shopify Editions Fall 2026. If you want help enabling MB WAY and Bizum or moving off your current gateway, get in touch.