Simplified Wero integration solution for Consumer PSPs (issuing)

Wero is a pan-European digital wallet developed and operated by the European Payments Initiative (EPI). It enables consumers to make instant account-to-account payments, including person-to-person (P2P) and person-to-merchant (P2M) transactions, directly from their bank account through a mobile application.

Built on the SEPA Instant Credit Transfer (SCT Inst) infrastructure, Wero is a European payment solution designed to support a broad range of payment use cases, including P2P transfers, e-commerce payments and point-of-sale transactions. By providing a unified payment experience across participating European countries, Wero contributes to the development of a more sovereign and interoperable European payments ecosystem.

Building a direct integration with Wero requires significant investment in development, testing, certification and ongoing maintenance. Banks must continuously adapt to evolving EPI specifications while ensuring a seamless customer experience and rapid time to market.

LUXHUB removes this complexity through a mutualised SaaS integration layer. With a single integration, banks gain access to the Wero ecosystem while LUXHUB manages connectivity, technical evolution and operational maintenance, enabling institutions to focus on delivering value to their customers rather than building and operating their own infrastructure.

By leveraging LUXHUB's mutualised integration layer, banks can accelerate their Wero journey while reducing both costs and complexity.

A single shared platform eliminates the need for each institution to build and maintain its own connectivity with EPI, significantly reducing development and operational efforts. Banks also benefit from faster deployment thanks to a ready-to-use integration layer already aligned with Wero requirements.

As Wero expands with new use cases and features, LUXHUB continuously adapts the platform, enabling participating banks to benefit from future developments through the same integration.

LUXHUB has been selected by several Luxembourg banks to provide a shared integration layer connecting participating institutions to the Wero ecosystem.

The model allows banks to mutualise integration efforts, accelerate deployment and benefit from a common platform that evolves alongside Wero. Rather than building and maintaining their own connectivity with EPI, participating institutions rely on a single, proven integration layer operated by LUXHUB.

Wero is progressively being rolled out across Europe, starting with France, Germany, Belgium, the Netherlands and Luxembourg. The ambition of the European Payments Initiative (EPI) is to establish Wero as a pan-European payment solution supporting multiple payment use cases across participating countries.

LUXHUB's Wero Integration Layer is built to support this evolution. Through a single integration, banks benefit from a scalable connectivity model that can accommodate future market expansions and new Wero capabilities as they become available.

Yes. LUXHUB's Wero Integration Layer is designed as a scalable, multi-bank SaaS platform that can support financial institutions across all Wero markets.

By leveraging a proven and mutualised integration infrastructure, banks can significantly reduce implementation effort, accelerate time-to-market and benefit from a connectivity layer that evolves alongside the Wero ecosystem.

Going live is only the beginning. LUXHUB continuously operates, maintains and evolves the Wero Integration Layer on behalf of participating banks.

As EPI introduces new capabilities, specifications and use cases, LUXHUB manages the necessary platform updates and technical adaptations centrally. Through a single integration, banks benefit from ongoing innovation across the Wero ecosystem without repeatedly investing in new developments.

In addition, LUXHUB provides technical support, operational monitoring and dedicated expertise to help ensure a smooth and reliable service over time.

Wero combines the speed of instant payments with the convenience of a digital wallet. Customers can send and receive money in seconds, pay directly from their bank account and access the service through trusted banking applications.

For everyday transactions, Wero simplifies the payment experience by reducing the need to enter card details and enabling easy person-to-person payments using a mobile number or email address. As the Wero ecosystem continues to grow, customers can use the same solution across a wide range of payment scenarios, from transfers between friends to online and in-store purchases.

EPI's strategic goal is to establish Wero as a leading pan-European payment solution, offering consumers and merchants a seamless account-to-account payment experience across multiple countries and use cases.

Leveraging the SEPA Instant Credit Transfer (SCT Inst) infrastructure, Wero aims to strengthen Europe's payments ecosystem by providing a European alternative for digital payments while fostering interoperability, innovation and greater sovereignty in the payments landscape. As the platform expands, EPI's ambition is to create a unified payment experience spanning person-to-person, e-commerce, point-of-sale and future payment scenarios.

Banks interested in connecting to the Wero ecosystem through LUXHUB's Wero Integration Layer can contact our team via the dedicated contact form, by email or by phone.

Following an initial discussion, LUXHUB will assess your existing environment, discuss your target operating model and define the most appropriate integration approach. Our team will then guide you through the onboarding process, integration activities and coordination with EPI, helping you accelerate your path to Wero deployment.