this post was submitted on 19 Sep 2025
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The two-phase transition from iDEAL to Wero will start next year and last until the end of 2027.

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[–] huppakee@feddit.nl 14 points 1 week ago (2 children)

This is great, a step forward in European integration. But what I am really looking forward is an alternative for card payments in stores. Right now the only way to avoid non-European companies is paying with cash.

[–] beeng@discuss.tchncs.de 6 points 1 week ago

QR codes please so we don't need Google and apple Pay.

[–] Hawk@lemmy.dbzer0.com 2 points 1 week ago

Payconiq in Belgium.l, but I think it's being retired in favor of Wero

[–] SrMono@feddit.org 11 points 1 week ago (1 children)
[–] jojo@piefed.social 14 points 1 week ago (1 children)

Yes! It means one more country unified by the same payment method :)

[–] SrMono@feddit.org 12 points 1 week ago

It is wire transfer with IBAN after all, but now with a convenience layer.

[–] boonhet@sopuli.xyz 4 points 1 week ago (2 children)

People keep saying Wero replaces Mastercard/ Visa, but I don’t really see how. It’s for online payments only? Wouldn’t it be replacing SEPA Instant then?

[–] jojo@piefed.social 4 points 1 week ago* (last edited 1 week ago)

It doesn't replace cards unfortunately. This is indeed as you say, instant and easy bank transfers. I think when people say it replaces cards it's because we start to have more coutries connected by the same system and then you don't need to pay internationally with credit cards. Edit: For online shopping, mostly

[–] Renohren@lemmy.today 4 points 1 week ago* (last edited 1 week ago) (1 children)

The goal of wero is to be used at points of sales, between individuals and online. For the time being it's mainly between individuals, later on this year, it will be available to make online payments and towards the end of 2026, in shop payments will be opened. It's backbone is sepa instant indeed. Wero is just making it convenient as a contactless payment system based on qrcode or phone number instead of NFC.

[–] boonhet@sopuli.xyz 2 points 1 week ago (1 children)

I can't actually see how qrcode or phone number would be more convenient than NFC, but I can see how it'd be cheaper for the merchant if it means they can actually skip the card fees. I doubt us customers will see that 2% of course.

[–] Renohren@lemmy.today 2 points 5 days ago* (last edited 5 days ago)

The goal of wero is to make it more convenient than doing a wire over sepa and become as convenient as NFC. The fees for the merchant are lower than visa or MasterCard.

But the real endgoal isn't all those aspects but to keep financial transactions independent of US jurisdiction, which isn't the case actually whether it's visa, MasterCard, PayPal, Google or Apple pay.

[–] Akasazh@feddit.nl 4 points 1 week ago (1 children)

I mean we ewre pretty well of with the ideal system. I just hope that all other countries will implement this (and maybe cross border delivery) so the market can be more integrated.

[–] huppakee@feddit.nl 5 points 1 week ago (1 children)

This is basically what we're getting but with a different appearance, i believe there is a lot of overlap between Wero and iDeal

[–] Akasazh@feddit.nl 3 points 1 week ago

Yup I know. I just other countries are quick on the implementation, as we've had this for almost 2 decades... with the rest of Europe still stuck on the mastercards.