At check-out, the buyer selects Multibanco as a payment method and is provided by Dalenys with its Multibanco ordering details. He can go to an ATM or at a point of sale to enter his reference or connect to his online bank account to pay by bank transfer with the same order reference.

The multibanco references are made up of numbers that identifies an entity, a payment reference and a payment amount. These numbers can be printed on invoices or displayed in online stores, allowing the payer to make the payment of purchases from his home banking or any ATM in Portugal.