Klarna + Stripe + PayPal + SIBS Pay, qual o stack de pagamentos certo?
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Magento Developer Portugal
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.
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