Qitero Qitero

Paylib / Wero (France)

Country: France (FR)  |  Payment Rail: real_time_payment

DigitalWallet Market Adoption: 50%

Paylib (transitioning to Wero) is the French banking consortium's mobile digital wallet and instant interbank payment scheme.

🔄 User Payment Flow

  1. Customer selects Paylib / Wero at checkout
  2. Customer approves transaction via French mobile banking app (BNP Paribas, Crédit Agricole, Societe Generale)
  3. Bank clears funds instantly via real-time interbank network
  4. Customer is redirected back to merchant site with immediate order confirmation

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway for Paylib / Wero session token
  • PSP issues payment token and bank deep link payload
  • PSP receives Paylib clearing webhook notification and confirms order status