Wero

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On this page:
Attributes
  • METHOD TYPEE-wallet
  • PAYMENTS
  • PAYOUTS
  • REFUNDS
  • RECURRING

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

  • Belgium (available soon)
  • Germany

Supported Currencies

  • EUR

Payment (Deposit) Flow

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Follow these steps to perform a payment using Nuvei REST API integration:

1. Generate a sessionToken

Press here for details.

2. Send a /payment Request

Perform the payment by sending a /payment request with its mandatory parameters including:

  • userTokenId
  • amount
  • currency
  • paymentOption.alternativePaymentMethod class containing:
    • paymentMethod: “apmgw_Wero“
  • deviceDetails class containing: ipAddress
  • userDetails class containing: country
Example /payment Request
{
  "sessionToken":"<sessionToken from /getSessionToken>",
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "amount":"200",
  "currency":"EUR",
  "userTokenId":"<unique customer identifier in merchant system>",
  "clientUniqueId":"<unique transaction ID in merchant system>",
  "paymentOption":{
    "alternativePaymentMethod":{
      "paymentMethod":"apmgw_Wero",
    }
  },
  "deviceDetails":{
    "ipAddress":"<customer's IP address>"
  },
  "userDetails":{
    "country":"DE",
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /payment request.

Follow these steps to perform a payment using Nuvei Web SDK integration.

1. Initiate a Session

Before you can submit payment using the client-side Nuvei Web SDK, you need to send the /openOrder API call.

2. Initialize the Web SDK

Instantiate the Web SDK with the sessionToken received from the server call to /openOrder.

3. Create an APM Payment

Send a createPayment() request with its mandatory parameters including:

  • session token
  • paymentOption.alternativePaymentMethod class containing:
    • paymentMethod: “apmgw_Wero“
  • deviceDetails class containing: ipAddress
  • userDetails class containing: country
Example createPayment() Request
sfc.createPayment({

  sessionToken: '<sessiontoken>',
  paymentOption: {
    alternativePaymentMethod: {
      paymentMethod: 'apmgw_Wero',
    },
  },
  deviceDetails: {
    ipAddress: "<customer's IP address>"
  },
  userDetails: {
    country: 'US',
  }
}, function (res) {
  console.log(res)
})

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /openOrder request.


To perform a payment using Nuvei Simply Connect integration:

1. Initiate a Session

Before submitting a Simply Connect payment request, you need to submit a server-side /openOrder API request.

2. Create an HTML Placeholder

Import the checkout.js library for building payment flows and create an HTML placeholder on your payment page for the Simply Connect UI element.

3. Submit a checkout() Request

Send a checkout() request with its mandatory input parameters, along with any other relevant parameters and customizations. For more information, see Quick Start to Simply Connect.

checkout({...
    "userDetails": {
      "country": "DE",
    },
  "apmConfig": {
       "apmgw_Wero": {
            "fields": {}      
        }
    }, 
  });
After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction.
REST API

Follow these steps to perform a payment using Nuvei REST API integration:

1. Generate a sessionToken

Press here for details.

2. Send a /payment Request

Perform the payment by sending a /payment request with its mandatory parameters including:

  • userTokenId
  • amount
  • currency
  • paymentOption.alternativePaymentMethod class containing:
    • paymentMethod: “apmgw_Wero“
  • deviceDetails class containing: ipAddress
  • userDetails class containing: country
Example /payment Request
{
  "sessionToken":"<sessionToken from /getSessionToken>",
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "amount":"200",
  "currency":"EUR",
  "userTokenId":"<unique customer identifier in merchant system>",
  "clientUniqueId":"<unique transaction ID in merchant system>",
  "paymentOption":{
    "alternativePaymentMethod":{
      "paymentMethod":"apmgw_Wero",
    }
  },
  "deviceDetails":{
    "ipAddress":"<customer's IP address>"
  },
  "userDetails":{
    "country":"DE",
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /payment request.

Web SDK

Follow these steps to perform a payment using Nuvei Web SDK integration.

1. Initiate a Session

Before you can submit payment using the client-side Nuvei Web SDK, you need to send the /openOrder API call.

2. Initialize the Web SDK

Instantiate the Web SDK with the sessionToken received from the server call to /openOrder.

3. Create an APM Payment

Send a createPayment() request with its mandatory parameters including:

  • session token
  • paymentOption.alternativePaymentMethod class containing:
    • paymentMethod: “apmgw_Wero“
  • deviceDetails class containing: ipAddress
  • userDetails class containing: country
Example createPayment() Request
sfc.createPayment({

  sessionToken: '<sessiontoken>',
  paymentOption: {
    alternativePaymentMethod: {
      paymentMethod: 'apmgw_Wero',
    },
  },
  deviceDetails: {
    ipAddress: "<customer's IP address>"
  },
  userDetails: {
    country: 'US',
  }
}, function (res) {
  console.log(res)
})

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /openOrder request.

Simply Connect

To perform a payment using Nuvei Simply Connect integration:

1. Initiate a Session

Before submitting a Simply Connect payment request, you need to submit a server-side /openOrder API request.

2. Create an HTML Placeholder

Import the checkout.js library for building payment flows and create an HTML placeholder on your payment page for the Simply Connect UI element.

3. Submit a checkout() Request

Send a checkout() request with its mandatory input parameters, along with any other relevant parameters and customizations. For more information, see Quick Start to Simply Connect.

checkout({...
    "userDetails": {
      "country": "DE",
    },
  "apmConfig": {
       "apmgw_Wero": {
            "fields": {}      
        }
    }, 
  });
After the transaction is processed, Nuvei sends a DMN that includes the result of the transaction.

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

  1. Customer selects the Wero payment method from the merchant page.

  1. Customer is redirected to a page that displays the QR code.

  1. Customer scans the QR code with a mobile phone.

  1. In the Wero application that opens, the customer is identified.

  1. The customer chooses a bank account and swipes right to approve the payment.

  1. The payment confirmation is displayed to the customer.

User Journey – Single Payment, Returning User

  1. The customer selects the Wero payment method on the merchant page.

  1. The customer taps the push notification on the mobile phone.

  1. The Wero application opens and the user is authenticated.

  1. The customer swipes right to approve the payment.

  1. The payment confirmation is displayed to the customer.

Testing

There is no available test data.

Last update iconLast modified September 2025