Wero is a European digital payment wallet developed by the European Payments Initiative (EPI), aiming to provide a unified, instant, and secure payment solution across Europe. Launched in 2024, Wero enables users to send and receive money between bank accounts in under 10 seconds, 24/7, using just a phone number. The Wero wallet will initially be available in Germany, Belgium, France followed by the Netherlands and Luxembourg.

Payment Method Properties


Available country codes	DE, BE, FR
Processing (Presentation) currencies	EUR
Settlement currencies	EUR
Consumer currencies	EUR
Channel member tag	wero
Scheme name in the settlement file	Wero
Minimum transaction amount	0.01 EUR
Maximum transaction amount	n/a subject to consumer banks
Session timeout	15 min - on Wero HPP
Recurring payments	No, to be launched in 2026
Refund	Full, partial and multiple partial refunds are all possible.
Refund Validity	TBC - Scheme discussions in progress
Chargeback	Yes
Chargeback validity	120 days for general MCCs 540 days for specific MCCs (Transportation, Travel agencies, Rentals, Hotels / apartments, Ticketing)
Integration Type	Asynchronous
Sandbox	Wero native sandbox coming soon

Transaction Flow

User selects Wero as a payment method.
PSP redirects to the Wero hosted Checkout Page

One-time Wero payments follow our standard authentication methods, ensuring quick and easy integration for any journey—whether M-Commerce or E-Commerce.

Wero Integration

Specific input parameters for the TRANSACTION call

For standard input parameters, check Input parameters for the TRANSACTION call.

Specific output parameters for the TRANSACTION call

This payment method will emit the output parameters outlined below:

Field name	Type	Description
`SPECOUT.PROVIDERORDERSTATUS`	ascii	Payment status.
`SPECOUT.PROVIDERORDERSTATUSCODE`	ascii	Raw code for corresponding order status.
`SPECOUT.PROVIDERORDERSTATUSREASON`	ascii	Reason for/details about the payment status.
`SPECOUT.PROVIDERORDERSTATUSREASONCODE`	ascii	Raw code for corresponding order status reason.
`SPECOUT.PROVIDERERRORCODE`	ascii	The error code displayed in case of a failed call.
`SPECOUT.PROVIDERERRORCODESTATUS`	ascii	A human-readable error status.
`SPECOUT.PROVIDERCUSTOMERID`	ascii	A unique ID per consumer per merchant

For standard output parameters, check Output parameters for the TRANSACTION call.

TRANSACTION call input

TRANSACTION call input: 

tag=wero
&txtype=TRANSACTION
&returnmode=urlencodeext
&login=testmerchant
&password=PSP_PWD
&contractid=TESTMERCHANTCONTRACT
&channel=testchannel
&currency=EUR
&amount=100
&merchanttxid=1745584489
&countrycode=DE
&accountholdername=U. Postman
&merchantredirecturl=https://ppro.com
&notificationurl=https://some-notification-url/

TRANSACTION call output

REQUESTSTATUS=SUCCEEDED
&STATUS=SUCCEEDED
&TXID=140011838470
&ERRMSG=
&CHANNEL=testchannel
&TAG=wero
&REDIRECTSECRET=P7QEgfywdtrB7pgwdVEVzu4gqrHOXA1m