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About us

Innovation is in our DNA

With four decades of existence, we make technology our driver, reinventing payment methods such as MULTIBANCO or MB WAY.

We born innovating and we will continue to do so

Who we are

Innovation is at the core of everything we do — it drives us to anticipate trends, create meaningful solutions, and transform challenges into opportunities.

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Global presence

We operate in more than 25 countries across 4 continents, adapting our services and solutions to the context of each geography.

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Certifications

We hold several certifications that ensure the performance of our mission to contribute to social well-being, promoting efficiency in financial and similar services, namely in the area of ​​payments.

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Awards

Recognized for our capacity to innovate, we have received numerous awards over the years.

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Who we are

Innovation is at the core of everything we do – it drives us to anticipate trends, create meaningful solutions, and transform challenges into opportunities.

Since 1983, we have been at the forefront of transforming payment systems – starting with existing forms of payment such as ATM, to which we’ve added dozens of innovative features, and more recently with MB WAY, which enables purchases, instant payments, and cash withdrawals using only a mobile phone.

We are the company behind the management of the ATM Express and MULTIBANCO networks across multiple channels—from ATMs and POS terminals to online platforms and mobile devices.

As one of the leading payment processors in Europe and Africa, we ensure seamless transaction processing between issuers and acquirers across various devices, protocols, and networks, including Visa, Mastercard, American Express, and UnionPay.

We also maintain a strong presence in Central and Eastern Europe through our subsidiaries, SIBS Romania and Paytel. With them, we bring cutting-edge technology and Portuguese expertise to drive the digital transformation of the Romanian and Polish economies.

Mission

Create value for society, stakeholders and shareholders by developing and managing technology-based payment solutions, processes and related services that combine security, convenience and innovation, while respecting good behavioral principles and sustainability conditions.

Vision

Be an international benchmark as a technological operator of payment systems.

Values

Trust – In the uncertainty of change, we guarantee trust.
An unwavering and constant presence in the daily lives of clients and partners, we work to deliver an invisible relationship of trust that simply works.

Innovation – We are pioneers in anticipating trends.
Driven by a spirit of innovation and entrepreneurship, we continuously seek new solutions that bring convenience to everyday life, freeing up more time for what truly matters.

Integrity – Transparency and rigor with our partners.
We act with loyalty and fairness, responsibility, and transparency in fulfilling our mission and in our relationships with partners and stakeholders.

Excellence – A commitment to always do more and better.
Dedication and a proactive attitude, both individually and as a team. In delivering results, we always strive to exceed the expectations of our clients and partners.

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Global presence

We operate in more than 25 countries across 4 continents, adapting our services and solutions to the context of each geography.

Portugal

With over 40 years of existence, we are a key player in Portugal’s financial ecosystem. We are the main processor of ATM and point-of-sale networks, a pioneer in digital payments, and a benchmark in cybersecurity and anti-fraud solutions. Additionally, we lead in card production and personalization and play a critical role in Business Process Outsourcing within the financial sector.

Poland

We entered the Polish market in 2009 and since then we have been the processor of the ATM network of one of Poland’s largest banks. In 2018, we extended our presence in this country by integrating the local company Paytel into the SIBS Group.

Romania

In 2020, we took another step towards consolidating our internationalisation strategy with the acquisition of Romania’s leading card processing company – Romcard/Supercard, now known as SIBS Romania.

Algeria

In Algeria, we are responsible for a significant part of the process of branch-automation and of an end-to-end solution for the implementation and management of a network of ATM for one of the main Algerian banks.

Angola

We are the main technological partner of the Angolan payment system, actively contributing to the success of the local interbank processor since 1999 by offering a very wide range of payment solutions.

East Timor

In 2015, we implemented its processing solution in East Timor, which made it possible to manage the ATM and POS network of one of the main local banks.

France

In 2023, we entered the French market by managing and processing a private ATM network, consolidating the Group’s position as a pan-European processor of ATM networks.

Luxembourg

Since 2009, we have been providing SEPA products and SWIFT service connections to various financial institutions in Luxembourg.

Malta

Since 2008, we have been offering innovative and diversified solutions for this market, such as card processing, card personalisation services, fraud prevention and detection, as well as SWIFT Service Bureau.

São Tomé and Principe

We drove the technological renewal of São Tomé and Príncipe’s interbank processor in 2019 through technology for the integrated payment processing system, supplying equipment, ATM and POS terminals, and bank cards.

Spain

We are responsible for providing SWIFT services and SEPA product processing services.

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Awards

Recognized for our capacity to innovate, we have received numerous awards over the years.