Qitero Qitero

Wero

Country: Netherlands (NL)  |  Payment Rail: real_time_payment

DigitalWallet Market Adoption: 40%

Wero is the European Payments Initiative's (EPI) next-gen cross-border digital wallet and real-time payment scheme operating across Dutch and Western European banks.

🔄 User Payment Flow

  1. Customer selects Wero at checkout and presents mobile phone number or QR code scan
  2. Customer opens banking app participating in Wero (e.g. ING, Rabobank)
  3. Customer authorizes instant transfer via biometric auth / bank PIN
  4. Wero clears payment in real-time across European banks and confirms to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

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