WERO

Learn more about Wero and its workflow

Wero is the unified European payment solution that enables convenient and secure instant payments across Europe using just your smartphone. Whether you’re making peer-to-peer transfers with a phone number, shopping online, or making in-store payments with QR codes, Wero provides a seamless payment experience. Launched by the European Payments Initiative (EPI) in 2024 and rapidly expanding across European markets, Wero has already reached over 40 million users and is designed to replace fragmented national payment systems like Paylib and Payconiq with a single, interoperable solution for the entire European market.

Advantages

European-wide interoperability: Seamless payments across multiple European countries with a single app, eliminating the need for different payment solutions in each market.
Simplified user experience: Use phone numbers instead of complex IBANs for peer-to-peer transfers, making payments as easy as sending a text message.
Unified payment ecosystem: Replaces fragmented national payment systems, offering merchants a single integration point for multiple European markets.

<soapenv:Envelope 
  xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" 
  xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:type="AcceptPayment">
    <soapenv:Header/>
    <soapenv:Body>
        <etp:AcceptPayment>
            <merchantID>90000</merchantID>
            <tid>1234</tid>
            <pType>WERO</pType>
            <payment xsi:type="etp:PaymentWERO">
                <amount>1000</amount>
                <currency>EUR</currency>
            </payment>
            <successURL>https://www.yourdomain.at/succ.php</successURL>
            <errorURL>https://www.yourdomain.at/err.php</errorURL>
            <confirmationURL>https://www.yourdomain.at/confirmation.php</confirmationURL>
        </etp:AcceptPayment>
    </soapenv:Body>
</soapenv:Envelope>

<SOAP-ENV:Envelope xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/" xmlns:SOAP-ENC="http://schemas.xmlsoap.org/soap/encoding/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl">
    <SOAP-ENV:Header></SOAP-ENV:Header>
    <SOAP-ENV:Body>
        <etp:AcceptPaymentResponse>
            <status>OK</status>
            <returnCode>REDIRECT</returnCode>
            <mpayTID>15044783</mpayTID>
            <location>https://sbx-payment.heidelpay.com/v1/redirect/wero/s-usezMFsD91x6</location>
        </etp:AcceptPaymentResponse>
    </SOAP-ENV:Body>
</SOAP-ENV:Envelope>

Properties

Redirect	Refund	Partial Refund	Reversal	Chargeback	Recurring	Payout
YES	YES	YES	NO	YES	NO	NO

Advantages

Properties

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