Wero payments

Available from Version: 20260629

Wero is a European payment solution developed by the European Payments Initiative (EPI), a consortium of major European banks and payment providers.

Its goal is to provide a single payment method for Europe based on SEPA Instant account-to-account payments, reducing fragmentation between local payment schemes.

Instead of paying with a card, the customer authorizes a payment directly from their bank account using their banking app, or the standalone Wero app.

Funds are transferred almost instantly over SEPA Instant rails.

Wero general properties

Available country codes
  • BE
  • DE
  • FR
  • NL
Currency EUR
Minimum transaction amount 0.01 EUR
Maximum transaction amount

Depends on the bank
Refund
  • Full
  • Partial
  • Multiple Partial
Chargeback No
Integration category Asynchronous

The following features are not supported:

Feature Description
Surcharging It is not possible to add a surcharge to the transaction.
Credit It is not possible to create credit transactions.
Subscriptions It is not possible to set up subscriptions.
Reservations

The amount is automatically captured by default.

How it works

The processing of payments for goods using Wero consists of one step, during which the capture of the payment takes place.

Capturing a Payment

The following diagram illustrates the steps involved in capture payment that are relevant to you as a merchant.



  1. The customer selects Wero during checkout.
  2. The merchant creates a payment request through AltaPay.
  3. AltaPay forwards the payment request to Wero.
  4. Wero returns a redirect URL.
  5. The customer is redirected to the Wero application or their banking application.
  6. The customer reviews and confirms the payment.
  7. Wero processes the payment.
  8. AltaPay receives the payment result.
  9. The merchant receives the payment status.
  10. The customer is redirected back to the merchant website.

Integration Scenarios

Checkout

Our Checkout API solution supports Wero out of the box, meaning that it works as any other payment method. Whenever Wero is enabled / configured it will be returned as a payment method.

Merchant API

To find out how to integrate with Wero directly to the Gateway using our merchant API, see Integrating using the Merchant API

  • Pre-step: Setting up a server-to-server session. Create a session containing all information needed to process the payment (except for the payment instrument data). This call returns a session ID required in the next call. For more details on setting the checkout session, see checkoutSession.
  • Transaction Execution: Provide the payment details in a second server-to-server call on the gateway endpoint to create payment request with createPaymentRequest method.

See the mandatory and configurable parameters by selecting Wero in the drop down list on the Create Payment Request page

Processing a Refund

Refunds take place after the capture of funds. There are several refund scenarios.

  • Full refund, which returns the funds for the entire transaction
  • Partial refund, which returns the funds for some of the order lines

The flow is as follows:

See the mandatory and configurable parameters by selecting Wero in the drop down list on the Create Refund Request page



Test the integration

You can test the Wero integration with us by using the AltaPay Sandbox. In order to do this, please check ePayment test integration page.