​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 codesDE, BE, FR
Processing (Presentation) currenciesEUR
Settlement currenciesEUR
Consumer currenciesEUR
Channel member tagwero
Scheme name in the settlement fileWero
Minimum transaction amount0.01 EUR
Maximum transaction amountn/a subject to consumer banks
Session timeout15 min - on Wero HPP
Recurring paymentsNo, to be launched in 2026
RefundFull, partial and multiple partial refunds are all possible.
Refund ValidityTBC - Scheme discussions in progress
ChargebackYes
Chargeback validity120 days for general MCCs
540 days for specific MCCs (Transportation, Travel agencies, Rentals, Hotels / apartments, Ticketing)
Integration TypeAsynchronous
SandboxWero 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 nameTypeDescription
SPECOUT.PROVIDERORDERSTATUSasciiPayment status.
SPECOUT.PROVIDERORDERSTATUSCODEasciiRaw code for corresponding order status.
SPECOUT.PROVIDERORDERSTATUSREASONasciiReason for/details about the payment status.
SPECOUT.PROVIDERORDERSTATUSREASONCODEasciiRaw code for corresponding order status reason.
SPECOUT.PROVIDERERRORCODEasciiThe error code displayed in case of a failed call.
SPECOUT.PROVIDERERRORCODESTATUSasciiA human-readable error status.
SPECOUT.PROVIDERCUSTOMERIDasciiA 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