Multibanco and MB WAY compatibility
Compatible with Multibanco and MB WAY transaction protocols and EMV clearing through certified gateways and acquirers.
- Institutional solution
Payment Gateway & Terminal Infrastructure for Banks
Banks & Financial Institutions
Synergy gives banks, acquirers and PSPs a multi-tenant acquiring bridge and a PAX terminal fleet compatible with Multibanco and MB WAY via certified gateways.
Turn-key acquiring solutions and terminal fleet management built for European banks.
- Compatible with Multibanco and MB WAY protocols via certified gateways
- Cloud Android POS terminal management (TMS) and Remote Key Injection (RKI)
- Hardware-ready integration for PAX A-series and IM-series devices
For commercial banks, acquiring banks, payment service providers (PSPs) and financial institutions.
Overview
Payment architecture and terminal estate management for banks.
An end-to-end, multi-tenant POS terminal fleet and acquiring bridge, compatible with Multibanco and MB WAY protocols through certified gateways and with European open-loop EMV frameworks. Banks deploy attended (PAX A920 Pro, A77) and unattended (PAX IM30, IM25) devices to their corporate and SME merchant networks with turn-key compliance.
Key highlights for banks
Terminal estate and fleet management (TMS)
Full Android POS lifecycle control: zero-touch remote key injection (RKI), automated firmware updates and real-time terminal telemetry.
Omnichannel acquiring engine
Physical POS terminals and digital, e-commerce checkout unified through certified APIs.
Dual-branded or white-label
Bank-grade UI, receipt branding and a customer experience tailored to each institutional partner.
Payment acceptance
Universal Payment Acceptance
Seamlessly process transactions from major card networks including Visa, Mastercard, American Express, and domestic debit schemes such as Multibanco.
Open-Loop EMV Architecture
Turn-key acceptance for contactless chip cards, magnetic stripe, and digital wallets (Apple Pay, Google Pay) through certified acquiring partners.
Visa, Mastercard, American Express, Multibanco, and MB WAY are registered trademarks of their respective owners. Reference to these payment methods does not constitute an endorsement, affiliation, or direct partnership. Transaction acceptance is enabled through certified acquirers and payment processing bridges.
Architecture
From the merchant counter to the core bank.
Synergy’s acquiring bridge sits between the bank’s merchant network and its core systems. Each layer is certified or isolated, so the bank keeps control of keys, data and settlement.
Merchant channels
- Attended POS (A920 Pro, A77, A8900)
- Unattended POS (IM30, IM25)
- E-commerce and pay-by-link
Terminal estate (TMS)
- Zero-touch remote key injection (RKI)
- Firmware and app updates
- Real-time telemetry
Synergy acquiring bridge
- Transaction routing
- Certified POS and e-commerce APIs
- White-label merchant experience
- PCI PTS device compliance
Multi-tenant, one instance per bank
SIBS Gateway
Multibanco, MB WAY and EMV clearingCore banking adapters
Merchant accounts, settlement and reportingCompliance
Certifications and standards
- SIBS
- Multibanco, MB WAY and SIBS Gateway: certification process started on 20 April 2022
- PCI PTS
- PAX terminals certified to PCI PTS 6.x–7.x, depending on the model
- EMV
- EMV contact and contactless kernels, per PAX certification
- RKI
- Remote key injection under the bank’s key-management procedures
Terminals
The terminal estate for your network
| Terminal | Type | Use in banking | Security |
|---|---|---|---|
| PAX A920 Pro | Attended · handheld | Merchant onboarding, mobile teller | PCI PTS 7.x (Duo Premium) |
| PAX A77 | Attended · mini | Field sales and SME merchants | PCI PTS 7 |
| PAX A8900 | Attended · countertop | Teller desks | PCI PTS 6.x |
| PAX IM30 | Unattended | Lobby kiosks and fee collection | PCI PTS 6.x |
| PAX IM25 | Unattended · compact | Fee points and add-on payments | PCI PTS 6.x SRED |
Supported card schemes: Visa, Mastercard, American Express, Multibanco, MB WAY, UnionPay (via certified acquirer).
In the city
See it in Synergy City
Branch Banking & Merchant Acquiring
PAX A920 Pro / PAX A8900
- Merchant onboarding at the desk
- Mobile branch teller POS
- High-security card-present operations
Bank Kiosks & Smart Deposit Terminals
PAX IM30 / PAX IM25
- Automated branch lobby terminals
- Statement printing
- Self-service fee collection
FAQ
Frequently asked questions
How does Synergy integrate PAX terminals with SIBS acquiring?
Synergy loads the bank’s acquiring apps onto PAX A920 Pro, A77, A8900, IM30 and IM25 terminals through MAXSTORE and routes transactions from its acquiring bridge to SIBS Gateway through certified gateways and acquirers, so the terminals accept Multibanco and MB WAY alongside international cards. Synergy’s certification process with SIBS began on 20 April 2022.
Which payment methods do Synergy terminals accept?
Visa, Mastercard, American Express, UnionPay, Multibanco and MB WAY, plus Apple Pay and Google Pay, through certified acquirers. Synergy is not a member, sponsor or partner of these schemes.
How are keys and firmware managed across a bank’s terminal fleet?
Synergy’s terminal management system (TMS) handles zero-touch remote key injection (RKI), automated firmware and app updates, and real-time telemetry for every terminal in the bank’s estate.
Institutional enquiries
Schedule an Institutional Demo
RFPs and banking compliance enquiries are handled by our team at our Alcobendas headquarters.
Institutional RFPs and compliance enquiriesSynergyCarretera de Fuencarral 44Edificio 2, A30228108 Alcobendas - Spain
Phone: +34 608 72 37 39Email: luis.barreiros@synergyfs.co