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**

{ "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