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Card processing

Solutions for issuers, acquirers, and merchants with multi-channel acceptance, network management, and added-value services.

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Merchants and Corporate

With in-store or ecommerce presence that need a reliable payment solution, based on high level security standards and supporting by cutting edge and innovative technologies.

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Financial Institutions

Wishing to address merchants (Acquirers PSP) or cardholder users (Issuers) in their payment needs.

Our current locations

Worldwide reach

Europe (Portugal, Spain, France, Poland, Romania, Netherlands),
Africa (Angola, Nigeria, Algeria, Mozambique, Cape Verde, São Tomé and Principie)
Asia (East Timor).

Know more about SIBS Multicertarrow_forward

Born local. Grown global.

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Users of SIBS Services across the globe

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Cards processed

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POS global

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Total number of transactions processed across the globe​

Connect your business to the future.
Let’s talk?

Connect your business to the future. Let’s talk?

Contact useast

We are a leading financial technology company in Portugal.
We operate the POS and ATM MULTIBANCO network and offer issuing,
acquiring, and digital payment solutions.

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Extensive experience in payments​

  • Full fledge payment processor, interconnecting cards and accounts to account ​
  • Omni channel integrated platforms (ATM network, POS, host-to-host, wallet / gateway)​
  • ~40 years unique experience​
  • Centerpiece of payments network, with systemic and mission critical responsibility
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Innovation, quality and security track record

  • Innovation at the core of SIBS, with +50 new solutions launched last 3 years​
  • Proprietary services and technology, with exclusive features​
  • Set of 360º digital and open API solutions​
  • Sustainably top 2 lowest fraud levels in Europe​
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Best in class technical platforms and savvy unique team

  • Upgraded, scalable best in class platform, resilient and active-active (~100% uptime)
  • Reference benchmark in terms of processing efficiency and low maintenance cost
  • State-of-the-art functionality with multichannel, currency and language features
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Track record competing in high growth geographies

  • Credible and significant operation in high-growth international markets, namely Europe and Africa
  • Local knowledge, presence and tailored products

Our issuing services supports domestic, international
and private label cards, single scheme or co-badged.

Card Issuing and Card Authentication

  • Data preparation, logical calculation, and card personalization
  • Secure PIN issuance and real-time verification
  • Validation of card security elements for maximum protection
  • Enhanced transaction authentication using 3D-Secure technology
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Authorization Processing & Clearing and Settlement

  • Routing of authorization requests directly to the Issuer or via schemes
  • Stand-in authorization: SIBS can approve transactions on behalf of the Issuer
  • Accurate balance calculation for settlement among all MULTIBANCO participants
  • Reliable settlement processing within the SICOI system
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Tokenization

Is the process of replacing an element with sensitive data, such as the card number, with an equivalent with non-sensitive data, called a token.

Data Enrichment

Enrichment and update of the information about the merchant, presented in the home banking and mobile banking.

Fraud Prevention

Monitoring and detection of fraud events with the Issuer’s cards / MULTIBANCO network.

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