Qitero Qitero

Wero (Germany)

Country: Germany (DE)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 20%

Wero is Europe's new instant mobile payment wallet launched in July 2024 by EPI (Deutsche Bank, Commerzbank, Sparkasse, etc.), enabling real-time phone number-based P2P and e-commerce payments.

🔄 User Payment Flow

  1. Customer selects Wero at checkout and enters mobile phone number
  2. Customer receives push notification in German banking app (Deutsche Bank / Sparkasse / Commerzbank)
  3. Customer approves payment via biometrics or PIN
  4. Wero clears payment in real-time and merchant receives confirmation

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API requests Wero payment session from acquiring gateway (Adyen)
  • PSP generates Wero checkout redirect or QR code
  • PSP receives clearing webhook notification and completes order

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Adyen