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
• France
• Germany
• Luxembourg
• Netherlands

Supported Currencies

• EUR

REST API 1.0

Payment Flow

1. Generate a sessionToken.

• 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>"
}

Example /payment Response

{
"internalRequestId": 59249624111,
"status": "SUCCESS",
"errCode": 0,
"reason": "",
"merchantId": "5970183043540730700",
"merchantSiteId": "238459",
"version": "1.0",
"clientRequestId": "20250917094613",
"sessionToken": "b1bbd33205574ee3b11ec6aaea325f820121",
"clientUniqueId": "CUIDUID20240506141833",
"orderId": "8890760111",
"userTokenId": "TKN20250917094613",
"paymentOption": {
"redirectUrl": "https://pay.int.epi.engineering/c7fd2cd9-4180-455b-ae1c-ddc213536f5d",
"userPaymentOptionId": "2437339111",
"card": {}
},
"transactionStatus": "REDIRECT"
}

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 the steps to perform a payment using the Nuvei Web SDK integration.

1. Initiate a Session

Before submitting payment using the client-side Nuvei Web SDK, 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 the following mandatory parameters:

• 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

Follow the steps to perform a payment using the Nuvei Simply Connect integration.

1. Initiate a Session

Before submitting a Simply Connect payment request, 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.

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 DMN Status=APPROVED (Sale)

ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=503514111&userid=11222333009&merchant_unique_id=&customData=Yankos+data+here&productId=CrossCell_name&first_name=testFN&middle_name=&last_name=myLastName&email=ti%40pay.com&currency=EUR&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=Address01&address2=&country=Germany&state=&city=MyCity&zip=10001&phone1=721291&phone2=123897&phone3=&client_ip=172.30.125.40&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=2895117&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=en_US&unknownParameters=&payment_method=apmgw_Wero&ID=&merchant_id=4972436454212160565&responseTimeStamp=2026-04-29.15%3A34%3A49&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Auth&externalEmail=&cardCompany=&eci=&user_token_id=TFS_15345_HOTICE_Yan_011&user_token=auto&userPaymentOptionId=230593038111&TransactionID=2610000000000569021&ExternalaccountID=95daecbf-e9b1-470b-b588-258207c60863&externalTransactionId=019dd9e0-e8f6-7c21-9368-adddefcd020c&additionalExternalTransactionId=019dd9e0-86d4-77cf-9520-098fddedeee5&APMReferenceID=FB5ABCB7DFDD10873649E29749A017F6&orderTransactionId=2927486111&totalAmount=83.38&dynamicDescriptor=Yanko-Hot_Ice_Descriptor&item_name_1=CrossCell_name&item_number_1=&item_amount_1=83.38&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20260407&type=DEPOSIT&clientRequestId=&relatedTransactionId=&apmPayerInfo=%7B%22APMrequestId%22%3A%22019dd9e0-e8f6-7c21-9368-adddefcd020c%22%2C%22ConsentId%22%3A%22019dd9e0-86d4-77cf-9520-098fddedeee5%22%2C%22ProviderCaptureStatus%22%3A%22ConsentGranted%22%7D&sessionId=9c72203c735bf41fd897ba84c11d&responsechecksum=072b29b534f517f11e33cc4589a7f63f&advanceResponseChecksum=bb74006451d247ec09a9e9d57364fd8a

Example DMN Status=DECLINED

ppp_status=FAIL&Status=DECLINED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=GeneralError&ReasonCode=1&PPP_TransactionID=495824111&userid=testVC_0003&merchant_unique_id=20260417161715&customData=&productId=&first_name=&middle_name=&last_name=&email=test%40test.com&currency=EUR&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=&address2=&country=Germany&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=2026-04-30.01%3A35%3A23&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Settle&externalEmail=&cardCompany=&eci=&user_token_id=testVC_0003&userPaymentOptionId=230538345111&TransactionID=2610000000000560988&ExternalaccountID=2610000000000560988&externalTransactionId=2610000000900699&orderTransactionId=2921167111&totalAmount=1993.74&dynamicDescriptor=static+test&item_name_1=NA&item_number_1=&item_amount_1=1993.74&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=20251208&type=DEPOSIT&clientRequestId=&relatedTransactionId=&apmPayerInfo=%7B%22APMrequestId%22%3A%22019d9b96-30ac-7dfe-9f70-861eb3ec8c1e%22%2C%22APMcaptureId%22%3A%22019d9b96-aa2c-7425-bb91-9ba4fb934401%22%2C%22ConsentId%22%3A%22019d9b95-e29d-7353-8001-6da5fbe1f22b%22%2C%22APMcaptureRetryId%22%3A%22019ddc06-b917-765d-8315-8070bd65808e%22%2C%22CaptureRetried%22%3Atrue%2C%22ProviderCaptureStatus%22%3A%22Rejected%22%2C%22ProviderCaptureReasonCode%22%3A%22AM04%22%2C%22NextRetryTimeUtc%22%3A%222026-04-30T02%3A35%3A22.2806232Z%22%7D&responsechecksum=80fc89485c8ae2cae1de8247d0593ee9&advanceResponseChecksum=d1e8e895f48329d0b2263ef8a27708f6

User Experience

User Journey – Single Payment, First-time User

User Journey – Single Payment, Returning User