Como integrar MB WAY + Multibanco references no Magento 2?

MB WAY is the Portuguese national mobile-payment standard, ~45%+ share of Portuguese mobile checkouts. Customers approve payment from their banking app in seconds (no card entry). Multibanco references are 9-digit pay-by-reference codes (entity + reference + amount), Portuguese shoppers pay them at any ATM or via home-banking, with a 4-day window before the order auto-cancels.

Both rails are operated by SIBS (Sociedade Interbancária de Serviços), the Portuguese inter-bank network. Magento integration options:

• SIBS Pay, direct SIBS PSP, native MB WAY + Multibanco + cards in one gateway. Best for €500k+ merchants. Free Magento 2 module from SIBS.
• IfThenPay / EuPago / Hipay, Portuguese PSP aggregators, MB WAY + Multibanco + cards, easier onboarding for €50k, €500k stores.
• Stripe (PT region), MB WAY supported since 2023. Multibanco supported as a delayed-payment method.

We configure the PSP, enable MB WAY toggle, generate Multibanco references via API at order placement, and listen to webhook callbacks for paid/expired states.