Wero – the new European payment method for your webshop

The timing depends on your country and Payment Service Provider (PSP). For online shops in Belgium, Germany and France, the first phase is expected in early 2025, as Wero is already live for consumers there. Some PSPs will be conducting pilots during that time. In the Netherlands, Wero is expected to become available for webshops sometime in 2025 (or by early 2026 at the latest). This is linked to the phasing out of iDEAL. EPI itself aims to start B2C payments (such as e-commerce) in mid-2025. If you want to be at the forefront, ask your PSP if you can participate in an early adoption programme. If not, you can expect Wero to appear as an option in your payment method settings within the next year or two. So it can't hurt to read up on it now (you're well on your way!) and get technically ready, but the real transaction traffic will only take off once consumers have the app and PSPs have activated it.

Would you like to know which PSPs support Wero as a payment method? Please refer toWero Payment Service Providers
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No, as a business owner, you do not need to have a local entity in every country to accept Wero. Wero is intended to be a pan-European solution. If your company is based in the Netherlands (or another EU country), you can allow customers from participating Wero countries to pay you without having a local presence there. However, you do need a bank account in the eurozone to receive the payouts (usually your PSP will simply arrange this to your regular account). In short: if you are with a European PSP that offers Wero, you can integrate it without any additional local business registrations.

Yes, that is the intention. Although the first phase of Wero is mainly focused on one-off P2P and online payments, recurring billing is high on the roadmap. EPI has announced that subscription and recurring payment features will be integrated starting in 2025. This means that you will be able to pay monthly subscription fees via Wero, similar to a direct debit or credit card subscription. Customers would be able to give a one-time authorisation via the Wero app or their bank, and subsequent payments would then be processed automatically. The exact mechanism (mandate management, cancellation, etc.) will be clarified by each PSP, but Wero is certainly an interesting option for businesses with a subscription model in the long term.

Yes, the customer must have activated Wero (via their bank or the Wero app) in order to pay with it. In practice, this means that the customer either: a) banks with a participating bank that has integrated Wero into its own app, or b) has downloaded the separate Wero Wallet app and linked it to their bank account. Without this preparation, consumers cannot pay "spontaneously" with Wero, as they can with a credit card, for example. This is similar to iDEAL: only customers of banks that offer iDEAL can use iDEAL. The good news is that the threshold is low – activating Wero will often happen automatically or require a few clicks in the banking app. And ultimately, most Europeans with a bank account will have access to Wero. But as a business owner, it is useful to realise that during (and also after) the transition, you will need to offer alternatives for customers who do not (yet) have Wero.

These will gradually be integrated into Wero. In the Netherlands, iDEAL will remain in place until Wero is fully introduced – only when Wero is running smoothly and has sufficient coverage will iDEAL be phased out. Bancontact will also be integrated in Belgium, and Payconiq will be replaced by Wero. For you as an entrepreneur, this means that your checkout list will change in the coming years: eventually, a single "Wero" button will replace all local methods. The transition will probably be explained in communications from the banks/EPI, so that consumers know that, for example, "Wero is the new iDEAL". It is wise to offer both during the transition (once Wero is available) until the old method is officially discontinued. Fortunately, PSPs support this technically; they ensure that you migrate smoothly. So you don't have to cancel any contracts yourself – it will happen organically.

Wero inherits the strict security of the banking system. Every payment requires verification via the bank or wallet app (think of logging in, FaceID/PIN code), so the chance of unauthorised payments is minimal. In addition, Wero uses direct bank transactions, which are less susceptible to phishing than sending card details. In the event of fraud or a disputed transaction, Wero will offer a dispute resolution process – this is new, as iDEAL had limited options in this regard.

EPI has indicated that Wero will introduce automatic refund functions in certain situations. As a merchant, you will probably be able to receive notifications via your PSP and collaborate in resolving disputes. The exact process is yet to be determined, but you can count on it being more customer-friendly than older systems, without being as one-sided as chargebacks for credit card payments. Stay alert for communications from your Payment Provider about this. In essence: Wero is very secure, and both customers and businesses will receive more support in case of problems than before.