Ifthenpay in Moloni ON: Real-time payment collection

Managing a business while maintaining healthy cash flow requires speed and operational intelligence. In Moloni ON, the invoicing process gains a strategic ally with the integration of ifthenpay, one of the leading payment technology providers in the Portuguese market.

More than just a simple feature, this direct connection creates an automated bridge between issuing a document and the actual flow of capital into your business. Designed specifically for processing Invoices and Recurring Contracts, the platform eliminates the traditional bureaucracy of payment collection, allowing your customers to pay through Multibanco References or Pay by Link, while your system receives automatic alerts every time a transaction is completed.

Key takeaways

• Automatic receipts: As soon as the customer pays, Moloni ON receives confirmation and issues the corresponding receipt without any manual intervention.
• Strategic focus: A purpose-built solution operating exclusively within the world of Invoices (FT) and recurring Contract management.
• Digital payment collection: Replace manual bank transfers and IBAN exchanges with the convenience of direct payment links or automatic Multibanco References.
• Frictionless payments: Your customers can settle their outstanding amounts in seconds, either through online banking or a secure online payment environment.
• Centralised dashboard: All configuration and rule management takes place on a modern, intuitive screen fully integrated into the Moloni ON ecosystem.

The financial engine behind your invoicing: Settlement without manual work

The greatest competitive advantage of this integration lies in the complete automation of the sales cycle between Moloni ON and ifthenpay. In a traditional scenario, receiving a customer payment means logging into online banking to confirm the funds, opening your invoicing software, finding the outstanding invoice and manually issuing the receipt. This is time-consuming and creates delays and potential errors in account reconciliation.

With this ecosystem, the entire process changes radically. The customer pays the invoice, ifthenpay validates the transaction and Moloni ON automatically issues the receipt. This gives you unprecedented operational efficiency: the customer receives proof of payment and your invoice is automatically marked as paid, ensuring that your accounting records remain fully up to date and compliant.

Multibanco References and Pay by Link: A modern way to get paid

Flexibility is one of the biggest demands of today's business owners and consumers in Portugal. By activating ifthenpay in Moloni ON, you make two of the fastest and most secure payment methods available to your business:

• Multibanco References: Generated with an Entity, Reference and the exact amount of the document. Customers can pay at an ATM or through their banking app in just a few steps, without the risk of entering the wrong amount or recipient.
• Pay by Link: The ultimate digital conversion tool. The system generates a unique, secure URL associated with the invoice. When the customer clicks on it, they are taken to a secure payment portal where they can complete the transaction immediately—ideal for dynamic businesses and customers who value mobility.

Operational exclusivity: Invoices and Recurring Contracts with automatic Receipts

To optimise software performance and ensure full consistency with Portuguese invoicing and accounting rules, this integration focuses exclusively on two areas: standalone Invoices and recurring Contract processing.

This allows you to design highly structured payment collection strategies, with the major advantage of automating the post-sale process. If you run a subscription or monthly payment-based business model, the operational impact is significant. When Moloni ON processes your recurring contract list and automatically issues monthly invoices in the background, the ifthenpay API immediately attaches the corresponding Multibanco References or payment links.

As soon as the customer settles the payment, the ecosystem takes over: the invoice is marked as paid and the corresponding receipt is automatically generated. The entire process runs independently from beginning to end, from creating the recurring contract to closing the account with the receipt issued, without you having to open a single record or manually type a single amount.

Banking digitisation: The end of "sending proof of payment"

The true transformation brought by this integration is not simply about displaying payment details in a more attractive format. It brings an end to one of the most time-consuming routines in everyday business operations: chasing customers for payments and manually checking bank transfers. The traditional invoicing process requires you to share your IBAN, wait for the customer to make the transfer, request proof of payment by email and later check with the bank that the money has arrived.

This synchronisation means the complete elimination of redundant administrative work, keeping your treasury up to date, your customers satisfied with instant receipts and your business free from unnecessary bureaucracy.

Support and context just around the corner

Your financial journey does not have to be lonely or filled with technical obstacles. To help you from the very first minute, Moloni ON integrates contextual help points directly into its configuration screens.