Wero is a European account-to-account (A2A) digital wallet developed by the European Payments Initiative (EPI). Payments are processed via SEPA Instant Credit Transfer (SCT Inst). Wero is integrated into participating banking apps or available as a standalone app. The goal is to provide a sovereign European alternative to PayPal and card-based wallets, offering better cost structures and a consistent user experience across countries.

At checkout, select Wero, scan the QR code or tap the link, then approve in your banking or Wero app via SCA – the amount is transferred directly from your bank account within seconds.

With Wero, consumers can send money to anyone with an active Wero account using just their phone number or email address. No need to remember IBANs or share personal data when sending money. You can send and receive money from most bank account holders in Belgium, France, and Germany, with more European countries to follow.

Merchants receive real-time payment confirmation and can process orders immediately. Integration follows the four-party model via the acquirer (onboarding and integration work like other payment methods).

P2P and checkout payments are usually credited in under 10 seconds.

A smartphone with the Wero app or the banking app of a participating bank.

Yes. Customers can pay across Wero markets as easily as in their home country.

Euro (EUR).