Introduction

Wero is a payment solution that aims to become the standard for European consumers and merchants. It is available through EPI member bank applications and as a mobile application on Android and iOS platforms. Built on SEPA Instant rails, Wero was launched by the European Payments Initiative (EPI). Designed to unify fragmented local schemes, Wero allows consumers to move money in seconds through a mobile application, either as a standalone wallet or embedded within an existing bank application.

Supported Countries

Supported Currencies

Integrations

**SECOND REVISED VERSION FOR H3 ALIGNMENT**

**align tab UI with what’s standard for the doc**

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{ "paymentOption":{ "alternativePaymentMethod":{ "paymentMethod":"apmgw_Wero" } } }

sfc.createPayment({
  sessionToken: '<sessiontoken>',
  paymentOption: {
    alternativePaymentMethod: { paymentMethod: 'apmgw_Wero' }
  }
}, function (res) { console.log(res) })

checkout({
  "userDetails": { "country": "DE" },
  "apmConfig": { "apmgw_Wero": { "fields": {} } }
});

DMNs

Example of DMN with Approved Status (Sale)

ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=130808111&userid=TstWero13&merchant_unique_id=&customData=&productId=&first_name=&middle_name=&last_name=&email=&currency=EUR&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=&address2=&country=Belgium&state=&city=&zip=&phone1=&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=EPI+Wero+MS-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=242181&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_Wero&ID=&merchant_id=5634436935940029474&responseTimeStamp=2025-07-09.06%3A11%3A57&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=TstWero13&userPaymentOptionId=2305904111&TransactionID=2610000000000310749&ExternalaccountID=0051469b-339e-4a66-a5af-f0b534249700&externalTransactionId=8fcd66b6-86ff-469f-b674-db4c2a2146f2&APMReferenceID=DFAA9D9BB2595AF32D87BB4ABB6B702E&orderTransactionId=98620111&totalAmount=11.00&dynamicDescriptor=static+test&item_name_1=NA&item_number_1=&item_amount_1=11.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&cryptogram=&maskedNetworkTokenNumber=&upoRegistrationDate=20250709&type=DEPOSIT&clientRequestId=&relatedTransactionId=&apmPayerInfo=%7B%22paymentPlanType%22%3A%22SingleImmediate%22%2C%22APMrequestId%22%3A%228fcd66b6-86ff-469f-b674-db4c2a2146f2%22%2C%22APMcaptureId%22%3A%223811ec33-7671-4788-895a-e57a824fb208%22%2C%22ConsentId%22%3A%22e803fcf7-a0ee-4f58-baad-2fd7aac05a47%22%2C%22BeneficiaryIban%22%3A%22GB33BUKB20201555555555%22%2C%22BeneficiaryName%22%3A%22MerchantName-acceptor-name%22%7D&sessionId=dcf8c423a6e0db03463b4eaa14bb&responsechecksum=dbf396803880c9e5dd47306f2088a246&advanceResponseChecksum=0e1355090baffd99e8e932d467302ef1

Example of DMN with Declined Status

ppp_status=FAIL&Status=DECLINED&ExErrCode=0&ErrCode=1&errApmCode=1&errApmDescription=insufficient+funds&errScCode=1150&errScDescription=Insufficient+funds&Reason=Insufficient+funds&ReasonCode=1150&PPP_TransactionID=131187111&userid=TesWer3&merchant_unique_id=&customData=&productId=&first_name=&middle_name=&last_name=&email=&currency=EUR&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=&address2=&country=Belgium&state=&city=&zip=&phone1=&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=EPI+Wero+MS-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=242181&merchant_status=&action=&requestVersion=&message=DECLINED&merchantLocale=&unknownParameters=&payment_method=apmgw_Wero&ID=&merchant_id=5634436935940029474&responseTimeStamp=2025-07-09.12%3A47%3A32&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Auth&externalEmail=&cardCompany=&eci=&user_token_id=TesWer3&userPaymentOptionId=2305972111&TransactionID=2610000000000311059&ExternalaccountID=0051469b-339e-4a66-a5af-f0b534249700&externalTransactionId=a873edc3-ce85-40ed-acbd-fcbe8138ceb5&APMReferenceID=7F4AE86F225E2318DAEF48F3451172C6&orderTransactionId=98964111&totalAmount=88000.00&dynamicDescriptor=static+test&item_name_1=NA&item_number_1=&item_amount_1=88000.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&cryptogram=&maskedNetworkTokenNumber=&upoRegistrationDate=20250709&type=DEPOSIT&clientRequestId=&relatedTransactionId=&apmPayerInfo=%7B%22paymentPlanType%22%3A%22EventDependent%22%2C%22APMrequestId%22%3A%22a873edc3-ce85-40ed-acbd-fcbe8138ceb5%22%2C%22ConsentId%22%3A%220082af66-0079-4f3f-ba08-038031e49b37%22%2C%22BeneficiaryIban%22%3A%22GB33BUKB20201555555555%22%2C%22BeneficiaryName%22%3A%22MerchantName-acceptor-name%22%7D&sessionId=f38c64db446ddf7fa86591af1e48&responsechecksum=1e66236c626236277aa42300212f89eb&advanceResponseChecksum=d34c378c520694363a1ec4bdfd22d01b

User Experience

User Journey – Single Payment, First-time User

User Journey – Single Payment, Returning User

**THIS IS THE GEMINI GENERATED CONTENT FROM JAN. 19**

// Reset all tab header styles const tabs = [ {id: 'toc-rest', active: '#00c7b1'}, {id: 'toc-websdk', active: '#00c7b1'}, {id: 'toc-simply', active: '#00c7b1'} ];

tabs.forEach(tab => { const el = document.getElementById(tab.id); el.style.color = '#87c6c6'; // Your hover/inactive color el.style.borderBottomColor = 'transparent'; });

// Activate selected pane and tab document.getElementById('pane-' + tabId).style.display = 'block'; const activeTab = document.getElementById('toc-' + tabId); activeTab.style.color = '#00c7b1'; // Your active color activeTab.style.borderBottomColor = '#00c7b1'; }

*THIS IS THE END OF THE GEMINI GENERATED CONTENT FROM JAN. 19**

Payment (Deposit) Flow

** START OF SECOND ATTEMPT JAN. 19 with GEMINI**

**END OF SECOND ATTEMPT JAN. 19 with GEMINI**

** START OF THIRD ATTEMPT Jan. 19 with Gemini**

tabHeaders.forEach((header, index) => { // We ensure the link behavior matches the internal WordPress tab switching header.addEventListener('click', function(e) { // The shortcode handles the UI switch automatically when clicked console.log('Navigating to tab: ' + (index + 1)); }); }); });

** END OF THIRD ATTEMPT Jan. 19 with Gemini**

**START OF 4TH ATTEMPT**

**END OF 4TH ATTEMPT**

**START OF 5TH ATTEMPT**

// 2. Update the TOC UI (Active/Inactive states) const tocItems = document.querySelectorAll('.toc-item'); tocItems.forEach((item, i) => { if (i === index) { item.style.color = '#00c7b1'; item.style.borderBottomColor = '#00c7b1'; } else { item.style.color = '#666'; item.style.borderBottomColor = 'transparent'; } }); }
**END OF 5TH ATTEMPT**

**START OF 6TH ATTEMPT**

// 2. Update the visual state of your TOC headers var items = document.querySelectorAll('.toc-nav-item'); items.forEach(function(item) { item.style.color = '#666'; item.style.borderBottomColor = 'transparent'; });

element.style.color = '#00c7b1'; element.style.borderBottomColor = '#00c7b1'; }
**END OF 6TH ATTEMPT GEMINI**

**START OF TZY REVISED ATTEMPT 1 - based on GEMINI attempt 2**

Payment (Deposit) Flow