Online payments with Visa and Mastercard:
Simple, fast, and secure.

Eupago makes credit card payments easy for your online store or via a secure payment link. Activate Visa and Mastercard payments to reach international buyers and customers who prefer credit purchases.

Advantages of accepting Visa and Mastercard credit card payments.

✓ Reach customers around the world

Portugal is unusual in that we prefer Multibanco references and MB WAY. However, if you want to sell abroad or to foreigners living in Portugal, accepting credit card payments will boost your sales.

✓ Provide a simple, fast, and secure checkout

By integrating Eupago with e-commerce platforms and invoicing software, you can start receiving credit card payments hassle-free. Payment confirmation is instant, and you can automate invoice issuance.

✓ Streamline refunds — for both you and your customers

The Eupago back office allows you to easily issue refunds for credit card payments. The amount is returned to the account linked to the card used at checkout.

✓ Accept credit card payments even without a website

If you don’t have an online store, you can use Eupago’s pay by link. This directs customers to a secure page where they can choose their payment method, including credit card.

✓ Ensure total security for online card payments

Eupago uses secure payment technology (3D Secure) and SSL 128-bit encryption to protect card data. You can assure your customers that all transactions are confidential.

✓ Save on transaction fees

Eupago offers highly competitive rates for credit card payments (€0.20 + 1.5% of the total amount), allowing you to accept Visa and Mastercard payments without compromising your profit margin.

Frequently Asked Questions about credit card payments

How do I accept online Visa and Mastercard payments?

If you have an online store, just integrate Eupago with your e-commerce platform — Shopify, WooCommerce, PrestaShop, Adobe Commerce (Magento), or Jumpseller. Your customers can choose to pay by Visa or Mastercard at checkout.

If you don’t have an online store, you can use Pay by Link to receive credit card payments. This method redirects the customer to a secure page where they can select a payment method and complete the purchase with their credit card. You can share the link via email, private message, or SMS.
You can also select the payment methods you want to offer in your pay by link and customize it with your logo.

When will I receive credit card payments processed through Eupago?

Once you receive Visa or Mastercard payments, Eupago transfers the amount (minus the commission) to an IBAN of your choice. Transfers are made to your bank account on the next business day, together with other payments received that day.
Remember, Eupago is a payment institution supervised by the Bank of Portugal, so you can be confident that your funds are secure.

What are the commissions for credit card payments?

Eupago’s commissions are automatically deducted from the transaction value. For online card payments, our fee is €0.20 + 1.5% of the total amount.
So, if you receive a €10 payment via Visa or Mastercard, we will transfer €9.65 to your account. Eupago’s pricing is fully transparent and available here.

Why choose Eupago instead of other credit card payment gateways?

If you don’t have an online store, it’s not easy to accept credit card payments. Eupago offers a unique opportunity to receive online Visa and Mastercard payments without a website.

Additionally, cybersecurity is a priority for us. We use the latest technology to ensure your customers’ data is protected and that they can checkout online with confidence.

We also offer highly competitive rates. Eupago’s commissions for online Visa and Mastercard payments are lower than other options like Shopify Payments or PayPal.

Lastly, when you sign up with Eupago, you can activate many other payment methods, including Multibanco references, MB WAY online payments, Payshop, direct debit, paysafecard, paysafecash, and installment payments with Cofidis Pay — all through a single provider.

How can I process credit card payment refunds?

With Eupago, refund management is easy. Simply log into your Eupago back office, select the payment, and choose the “refund” option. We will then process the refund to the credit card used for the purchase.
It’s fast and convenient: your business saves time on administrative tasks, and the customer enjoys a better experience.

All the payment methods your customers use,

with the ease your business wants.

1. Apple Pay
2. Bizum | Sell more and better in Spain with Eupago
3. Bizum
4. Cofidis Pay
5. Direct debit
6. MB WAY
7. Multibanco
8. PIX
9. Paysafecard
10. Payshop