How to add Wero to your checkout: a step-by-step merchant guide

What changes for merchants when Wero replaces iDEAL, Payconiq or Paylib?

For the country-by-country status and dates, see the Wero rollout tracker. This page covers the practical side: what to change, what to ask, and how to go live.

What changes depends on the method you use today. In most cases the work is a contract update and an integration change at your payment provider, not a rebuild of your checkout.

In every case, the shopper experience is similar: choose Wero, confirm in the banking or Wero app, return to the shop.

• iDEAL (Netherlands). iDEAL keeps working during the migration. Currence has set out phases: first co-branding as iDEAL | Wero, then a technical move to Wero, with all iDEAL merchants planned to be on Wero by the end of 2027 (source: Currence, ideal.nl). Expect your provider to contact you about contract and integration changes in the second phase.
• Payconiq in Belgium. Payconiq by Bancontact became Bancontact Pay on 16 March 2026 (Bancontact Company). Keep Bancontact and add Wero when your provider offers it.
• Payconiq in Luxembourg. Payconiq was retired with the Wero launch in September 2026 (EPI, 2 September 2026). If you accepted Payconiq, replace it with Wero through your provider.
• Paylib (France). Wero replaced Paylib for person-to-person payments. For e-commerce in France, Wero is a new method next to cards; EPI reported the e-commerce rollout under way in late 2026 (source: EPI).
• No current local method (for example Germany). Wero is an additional method next to cards, PayPal, SEPA Direct Debit and invoice payment.

What should you ask your payment provider about Wero payments?

Ask your provider for a clear, written answer on coverage, flows, refunds and timing before you plan a launch. Use this checklist:

• Countries. In which countries can you offer Wero for e-commerce today, and when are the next ones planned?
• Banks. Which shopper banks are covered for online payments in each country?
• Contract. Do you need a new contract or an addendum, or is Wero added to your existing one?
• Integration. Is Wero a new payment method code in the API, or does it replace iDEAL behind the same code?
• Flows. Are QR on desktop and app switch on mobile both supported? How is the return URL handled?
• Refunds. Are full and partial refunds supported through the API, and for how long after the payment?
• Pricing. What is the fee per Wero payment and per refund? EPI does not publish a merchant tariff, so pricing comes from the provider.
• Reporting. How do Wero payments appear in settlement reports and webhooks?
• Testing. Is there a sandbox with test banks or simulated app approvals?
• Recurring. Are recurring or stored-credential Wero payments supported yet, or only single payments?

How does a Wero checkout work?

A Wero checkout works like other bank-app methods: the shopper selects Wero, confirms in their app, and your system receives a real-time result. Here are the steps from checkout to confirmation:

Test steps 3 and 7 on real devices. Switching between browser and app is where most bank-app payments are abandoned.

1. Show the method Display Wero to shoppers in countries where your provider supports it.
2. Create the payment Your system or hosted checkout creates a Wero payment with amount, currency (EUR) and order reference.
3. Hand over to the app On desktop, a QR code is shown for the shopper to scan with the banking or Wero app. On mobile, the checkout switches directly to the app.
4. Shopper confirms The shopper approves the pre-filled amount with strong customer authentication. No card number or IBAN is entered.
5. Instant transfer The bank sends a SEPA Instant Credit Transfer.
6. Confirmation Your provider notifies your system, typically by webhook, and you confirm the order.
7. Return to shop The shopper is sent back to your order confirmation page.

How do refunds and reconciliation work with Wero?

Wero refunds are made by the merchant as a new transfer back to the shopper, triggered through your payment provider. Card chargeback rules do not apply, but Wero has its own dispute process for payments to merchants: the shopper first raises a pre-dispute with the merchant, an unresolved case can become a formal chargeback through the shopper's bank, then pre-arbitration, and as a last resort the Wero scheme (EPI) gives a binding decision (source: Mollie, How to handle Wero disputes, checked 23 Oct 2026). Deadlines, evidence requirements, dispute fees and which dispute types apply in each country depend on the scheme rules and your contract, so check with your provider.

For reconciliation:

• Store the provider's payment ID with your order ID, since there is no card reference.
• Match refunds to the original payment by that ID.
• Check how your provider reports Wero in settlement files: as its own method or under iDEAL during the Dutch migration.
• Tell customer service how Wero refunds appear on a shopper's bank statement.

How do you test Wero payments and go live?

Test in the provider's sandbox first, then run a small live pilot in one country before you show Wero to all shoppers.

• Sandbox. Run success, decline, timeout and abandoned-app cases, plus full and partial refunds.
• Devices. Test desktop QR and mobile app switch on iOS and Android, in the browsers your customers use.
• Pilot. Enable Wero for one country and a share of traffic. Watch completion rate, refund handling and support tickets.
• Placement. Decide where Wero sits in the method list. During migrations, show it next to iDEAL or Bancontact rather than in place of them.
• Rollout. Extend to more countries as your provider confirms bank coverage. Keep existing local methods live until coverage is complete.

How do you add Wero through OrsunPay?

Through OrsunPay, Wero is available as a payment method next to iDEAL, Bancontact, cards and other methods in one hosted checkout, enabled on a payment provider account you hold. OrsunPay is a payment orchestration platform that connects you to licensed PSPs; it does not process or hold funds itself.

• You choose in which countries to show Wero, routing rules apply that choice, and you can keep iDEAL or Bancontact live during migrations.
• Refunds and webhooks follow the same flow as your other methods.
• Coverage follows your provider's rollout and the shopper's bank; fees and payouts are set by your provider.