Turnkey Wero payment solution for acceptors

Wero is a pan-European digital payment wallet developed and operated by EPI Company (European Payments Initiative). It enables consumers to make instant person-to-person (P2P) and person-to-merchant (P2M) payments directly from their bank account via a mobile application, without the need for card networks. Wero is designed as a European alternative to global payment schemes, providing a Made-in-Europe instant payment solution built on the SEPA Instant Credit Transfer (SCT Inst) infrastructure. 

Wero is built on the SEPA Instant Credit Transfer (SCT Inst) scheme, meaning every Wero payment is processed as a SEPA Instant Credit Transfer. This positions Wero as a consumer-friendly front-end on top of the underlying SCT Inst payment rail. The Instant Payments Regulation mandates that EU PSPs offer instant euro payment services, and Wero is one of the key instruments driving consumer adoption of instant payments. Banks deploying Wero simultaneously advance their IPR compliance and their customer digital payment proposition. 

The Wero Acceptor Solution (WASO) requires little effort from the acceptor Payment Service Provider (PSP).

Acting as Technical Service Provider (TSP), LUXHUB centralizes the implementation of the Wero acceptance service, including the technical exchanges with EPI Company and the related certification activities. Merchant onboarding, payment processing and post-payment operations are all provided through the LUXHUB platform, so the PSP does not need to build or maintain these capabilities in-house.

The PSP's remaining integration scope is limited and defined with LUXHUB at the start of the project and covers flows in which a connection with the PSP backend is either optional (e.g. additional fraud checks) or required (e.g. credit transfer for refund, retrieval of settlement reports). This allows PSPs to concentrate on the business side of their Wero offering rather than on technical development.

The Wero Acceptor Solution is a Wero-ready platform that can be deployed within weeks.

Because LUXHUB already has established connectivity with EPI Company, and the merchant portal and APIs are already operational, PSPs avoid the long implementation cycle of an in-house build. The exact timeline depends on the payment use cases and technical integration modes the PSP wishes to offer its merchant clients.

PSPs can contact LUXHUB for a project-specific estimate.

No. With the Wero Acceptor Solution, the acceptor PSP does not need to build a direct technical connection to EPI Company.

LUXHUB, acting as Technical Service Provider, manages all technical exchanges between the PSP and EPI Company, the operator of the Wero payment scheme. The PSP keeps its contractual relationship with EPI Company as a participant in the Wero scheme.

This model separates scheme participation, which remains with the Acceptor PSP, from technical connectivity, which is mutualized through LUXHUB.

Yes. Merchants served by an acceptor PSP can access the Wero Acceptor Solution either through the Wero Merchant Portal or through dedicated APIs.

The Wero Merchant Portal is a multi-language self-service portal. Through it, merchants manage their own users and shops, create payment requests, and handle post-payment operations such as refunds, chargebacks and disputes. The Merchant API offer the same capabilities to merchants who prefer to connect their own systems directly part or all the solution capabilities.

In both cases, merchants remain clients of their PSP, while LUXHUB provides the underlying technical platform.

ERP and e-commerce systems can connect a merchant to the Wero Acceptor Solution through the provided Merchant API. Merchants can for instance create Wero payment requests directly from their ERP or e-commerce platform and follow each payment throughout its lifecycle. Payment requests can be shared with customers as a QR code or payment link, supporting use cases such as invoice payments and online checkout.

POS terminals as well as some turnkey e-commerce platforms would typically require an integration of the same API by a Merchant Service Provider (MSP) who provides those channels to the merchant. Depending on the use case, the MSP connects to the LUXHUB platform through API to enable various e-commerce capabilities or POS terminal integration.

The Wero Acceptor Solution provides acceptor PSPs with a fully managed technical service for offering Wero to their merchant clients.

The solution includes:

- Certified connectivity with EPI Company,

- the Wero Merchant Portal and Merchant APIs covering the following capabilities:

• merchant onboarding and management,
• payment request and payment lifecycle management,
• post-payment operations such as refunds, chargebacks and dispute handling,

- ongoing monitoring and maintenance of the platform,

- first-line support for integration questions and second-line support for operational aspects.

The PSP remains responsible for its commercial relationship with merchants, including its Wero offering and pricing, as well as its participation in the Wero scheme with EPI Company. It also keeps first-line operational support towards its merchants and its regulatory obligations as a licensed payment service provider.

This division of roles allows PSPs to add Wero to their merchant offering with limited internal resources.

Banks interested in deploying LUXHUB's Wero Acceptor Solution can initiate the conversation by contacting LUXHUB via the dedicated form at luxhub.com/wero-acceptor-solution-contact-us, emailing info[at]luxhub.com, or calling +352 288 076. LUXHUB's team will assess your existing infrastructure, outline the integration architecture, provide timeline estimates based on experience gained with multiple banks, and guide you through the EPI Company onboarding requirements.