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Card processing

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

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Merchants and Corporate Clients

For in-store or e-commerce operations that require a reliable payment solution, built on high security standards and supported by cutting-edge, innovative technologies.

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Financial Institutions

For acquirers (PSPs) and issuers addressing merchants’ and cardholders’ payment needs.

Our current locations

Global Reach

Europe: Portugal, Spain, France, Poland, Romania, the Netherlands
Africa: Angola, Nigeria, Algeria, Mozambique, Cabo Verde, São Tomé and Príncipe
Asia: Timor-Leste

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 MULTIBANCO POS and ATM network and provide issuing,
acquiring, and digital payment solutions.

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Extensive experience in payments​

  • Full-fledged payment processor interconnecting cards and accounts.
  • Omnichannel, integrated platforms (ATM network, POS, host-to-host, wallet/gateway).
  • Nearly 40 years of unique experience.
  • A central component of the payments ecosystem, with systemic, mission-critical responsibility.
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Innovation, Quality, and Security

  • Innovation at SIBS’ core, with more than 50 new solutions launched in the last three years.
  • Proprietary services and technology with exclusive features.
  • A 360º portfolio of digital and open-API solutions.
  • Consistently among the lowest fraud levels in Europe.
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Best-in-Class Platforms and Expertise

  • Upgraded, scalable, best-in-class platform; resilient, active-active architecture (~100% uptime).
  • A benchmark for processing efficiency and low maintenance costs.
  • State-of-the-art capabilities with multi-channel, multi-currency, and multi-language features.
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Proven International Track Record

  • Significant operations in high-growth markets, particularly across Europe and Africa.
  • Local knowledge and presence, with tailored products.

Our Issuing Services
We support domestic, international, and private-label cards, single-scheme or co-badged.

Card Issuing and Authentication

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

  • Routing of authorisation requests directly to issuers or via schemes.
  • Stand-in authorisation: 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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Tokenisation

The process of replacing sensitive data (such as a card number) with a non-sensitive equivalent, called a token.

Data Enrichment

Enrichment and updating of merchant information presented in home banking and mobile banking channels.

Fraud Prevention

Monitoring and detection of fraud involving issuer cards and across the MULTIBANCO network.

Explore all features

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