Welke banken ondersteunen WERO?

WERO is een Europese betaaloplossing die wordt ondersteund door verschillende grote banken binnen de eurozone. Het initiatief komt vanuit de European Payments Initiative (EPI) en wordt stap voor stap uitgerold bij aangesloten banken in meerdere landen.

Hoe kan ik WERO als betaalmethode toevoegen aan mijn webshop?

Om WERO te accepteren in je webshop, kun je via Buckaroo een koppeling activeren. Wij zorgen voor de technische integratie en bieden ondersteuning bij het toevoegen van WERO als betaalmethode in jouw checkout.

Zijn er kosten verbonden aan het gebruik van WERO?

Ja, zoals bij alle betaalmethoden zijn er transactiekosten verbonden aan het gebruik van WERO. Buckaroo hanteert transparante tarieven die afhankelijk zijn van het aantal en type transacties.

Kan ik WERO ook gebruiken voor internationale betalingen?

Ja, WERO is speciaal ontwikkeld voor betalingen binnen de eurozone en kan dus grensoverschrijdend worden ingezet. Dit maakt WERO een aantrekkelijk alternatief voor internationale creditcard- en wallet-betalingen.

Hoe veilig is betalen met WERO?

WERO maakt gebruik van de hoogste Europese beveiligingsstandaarden, waaronder sterke klantauthenticatie (SCA). Betalingen verlopen via de vertrouwde bankomgeving van de consument, waardoor veiligheid en privacy zijn gewaarborgd.

Hoe snel worden WERO-betalingen verwerkt?

WERO-transacties worden vrijwel direct verwerkt via instant payments. Het bedrag staat binnen enkele seconden klaar op de rekening van de ontvanger, ook buiten kantoortijden.

Kan ik een terugbetaling doen via WERO?

Ja, terugbetalingen zijn mogelijk via WERO. Buckaroo ondersteunt refunds, zodat terugbetalingen direct kunnen worden teruggestort naar dezelfde rekening waarmee de oorspronkelijke betaling is gedaan.

Payment methods

What is Wero and what does it mean for your webshop?

Wero is a new European payment method developed by the European Payments Initiative (EPI). It enables customers to pay online directly from their bank account, using their banking app or the Wero app. For merchants in Luxembourg, Wero is relevant because it is being introduced as part of a broader European rollout, with support for cross-border payments within participating markets.

Secure account-to-account payments
Built for European and cross-border commerce
A familiar checkout via banking app or Wero app

Why Wero is interesting for webshops

One European payment method for multiple markets
Fast account-to-account payments
Checkout through a trusted banking app or Wero app
Designed for online and cross-border commerce

Wero - vervanger van iDEAL - online betaalmethode webshops

Where will Wero be rolled out?

Wero was first launched for person-to-person payments in Belgium, France and Germany. The next phase expands Wero further into e-commerce and additional markets, including Luxembourg. In Luxembourg, several major banks started implementation with support from LUXHUB, and EPI previously communicated availability for Luxembourgish customers from June 2026.

Wero should be seen as a payment method to prepare for now, especially if you sell across borders or want to offer customers a European bank-based checkout experience.

Who is Wero relevant for?

The arrival of Wero is relevant for businesses that process online payments in Luxembourg and want to be ready for the next generation of European account-to-account payments. It fits business models where a simple, bank-based checkout and cross-border reach matter.

Webshops (B2C) – for a simple online checkout directly from the customer’s bank account
Cross-border merchants – for selling across participating European markets
Platforms and digital businesses – for merchants preparing for broader European payment acceptance

Buckaroo - Your partner in the transition to Wero

Integration & plugins

Whether you work with a standard plugin or a custom API, Buckaroo helps you prepare your checkout for Wero. That way, you can add a new European payment method without unnecessary complexity.

Guidance for the Luxembourg market

Buckaroo is directly involved in the Luxembourg transition through its strategic agreement with Payconiq International and EPI. This gives Luxembourg merchants access to payment expertise aimed at a smooth path towards Wero.

Knowledge and support

New payment methods raise practical questions. That is why Buckaroo supports merchants with whitepapers, updates and implementation guidance, so teams know what changes and what to prepare for.

Everything about Wero in one overview?

Would you like all the information about Wero in a clear document?

Download Wero factsheet

Frequently Asked Questions

What is Wero and how is it different from Payconiq?

Wero is a new European payment method that enables account-to-account payments via SEPA Instant. It was developed by European banks and will become the successor to Payconiq.

It is designed to replace national solutions like Payconiq and provide:

Instant payments across Europe

A unified payment experience

High security and privacy standards

What are the benefits of Wero for merchants?

Wero offers several advantages:

Instant payments → improved cash flow

Pan-European reach → Users can pay across borders (e.g., in Germany, France, Belgium, Luxembourg and later the Netherlands)

Lower complexity → one unified system

Enhanced security and compliance

Is Wero secure?

Yes. Wero is built with European security and privacy standards, ensuring safe transactions and compliance with EU regulations.

Does Wero support subscriptions and recurring payments?

Yes. From its launch, Wero will support recurring payments, allowing you to easily collect subscriptions and installment payments.

Does Wero offer Buy Now Pay Later (BNPL)?

Yes. BNPL will be part of Wero’s features. However, it will be released later than the migration.

When will I migrate from Payconiq to WERO?

The migration is planned between 1-7-26 till 31-8-2026. You will receive communication when you are scheduled to be migrated

Merchants will receive communication when scheduled.

Where can I find technical information?

Technical information is available on Buckaroo Docs: https://docs.buckaroo.io/v2/docs/wero

Will reconciliation files change during the transition?

Payouts are processed in bulk by default and will be made from a different IBAN. In some cases, and by agreement, Wero transactions can be paid out on a 1-to-1 basis.

Will there be test environments or sandboxes for Wero?

The Wero test environment will not be available for merchants. If you need support with the integration, you can contact support@buckaroo.eu .

Do I need to modify my current Payconiq integration for Wero?

Yes. Existing Payconiq integrations will be updated to support Wero.

If you use Buckaroo, your integration will be automatically adjusted to ensure continuity.

More info: https://docs.buckaroo.io/v2/docs/wero

What happens to existing Payconiq integrations?

Existing integrations will:

Be migrated to Buckaroo infrastructure

Be updated to support Wero

Buckaroo will provide guidance and support.

Does the migration have any technical impact on my business?

Yes, but limited:

Integrations will be updated to support Wero
Buckaroo handles most changes automatically
Minimal effort required for most merchants

Is a new API key required to implement Wero?

No API key is required. For the static and invoice QR code, only a “storeId” is needed. This parameter is available in MyBuckaroo

Will there be a WERO merchant application?

There is no Wero application. However, the Payconiq app will be replaced by a Wero app, and the Payconiq portal will be replaced by My Buckaroo.

Will there be a new deeplink for the invoicing QR code?

Yes, a new link will be introduced. For details, see the development portal. To ensure the transition goes as smoothly as possible, “banners” will also be provided that can be placed on the invoice. However, the Invoice QR and static QR must be generated in a different way than before with Payconiq. A technical adjustment is required for this. For details, see docs.buckaroo.io.

Will pricing or contracts change?

Yes:

Updated terms may apply

Merchants will be informed in advance.

Do I need to sign a new contract for Wero ?

No, the existing Payconiq services will continue. If additional Wero services are adopted in the future, a separate agreement will be required.

How can I prevent conversion loss when switching?

Invoice banners are used to display well-formatted, Wero-branded QR banners. They are intended primarily for use on digital and printed invoices. The banners will mention Payconiq to support the transition from Payconiq to Wero. After the migration from Payconiq to Wero is complete, Payconiq will no longer be mentioned in the banner. Please check https://docs.buckaroo.io/v2/docs/qr-service for futher instructions

Can WERO QR codes be scanned by Payconiq app during migration?

No, Wero QR codes cannot be scanned with the Payconiq app. Only Payconiq QR codes can be scanned with the Wero app. This functionality will be supported until the end of 2026.

Where can I find my transactions from Buckaroo?

Transactions overview will be available in My Buckaroo. Payconiq merchant portal will also remain available for transactions overview until September 2026

Where can I find my invoices from Buckaroo?

You can find your invoices in My Buckaroo

Will there be any disruption to payments?

The transition from Payconiq to Wero will take place without disruption for consumers. It is important to note that after the end of December 2026, the Payconiq app will no longer work.

Merchants should be aware that the Payconiq portal can be used until the end of September 2026. It is recommended, however, to already start creating new QR codes in MyBuckaroo from June.

The technical impact will differ per merchant; therefore, we refer you to docs.Buckaroo.io.

Can payouts with Wero be made per transaction?

No, per-transaction payouts are not possible in the initial phase. This functionality may be offered at a later stage.

Can Wero transactions be disputed by the buyer?

No, this is not yet supported. Expected rollout: early 2027.

Refunds via the Wero scheme will be supported after the end of 2026. A refund can be processed by the merchant by initiating an SCT Inst transfer.

Do I need multiple Wero contracts if I operate in several countries?

No. Wero is a pan-European solution. A single updated contract with your payment service provider supports cross-border Wero acceptance. So, you can sell to anyone with Wero, no matter where they are from.

Will customers still be able to pay easily?

Yes. Wero supports:

QR code payments
Mobile payments
Online payments (rolling out progressively)

Until when will the existing Payconiq QR codes work?

Until 31 December 2026.

Which applications can scan these Payconiq QR codes and when?

Until the end of 2026, the Payconiq QR code can be scanned with the Wero app. After that, it will no longer be possible.

Will the merchants be able to define a Description and Reference while creating the QR codes?

For an invoice QR, a description and reference can be provided. For a static QR, this is not possible.

Until when will the Payconiq Merchant Portal be functional, and will the merchants be able to create Payconiq QR codes ?

The Payconiq portal will remain accessible until the end of September 2026. Creating new QR codes can be done in MyBuckaroo. The credentials for MyBuckaroo will be send to you in June '26.

Will Payconiq merchants IDs and payment profile IDs disappear?

After onboarding at Buckaroo, the merchant receives Buckaroo IDs. See the documentation for details.

Can customers use Payconiq QR codes with the Wero app?

Yes, this is supported until 31-12-2026. Therefore, it is advisable to replace the Payconiq QR codes with WERO QR codes.

Where can I create Wero QR codes?

These can be created via the technical documentation or in the Buckaroo portal starting mid-July.

Will existing data be migrated automatically?

Only the merchant data will be migrated. No transaction data will be migrated from the Payconiq portal to MyBuckaroo.

Where can I get support?

If you have any questions, you can contact our team via wecare@buckaroo.eu or +352 27 86 39 40. Additional information is available at www.buckaroo.eu/payconiq.

Further communication will be shared directly.