Jan Wildeboer 😷May 20

#Wero is NOT a new payment platform, it's a thin layer on top of SEPA transfers. It's the culmination of many years of slowly unifying the money transfer systems in the EU, driving down costs of international bank transfers, making small transactions feasible and now Wero simplifies the use of all of this. It's a very European approach and I like it! #ThanksEU

(Yes, it uses AWS for some parts. Just like many other banking apps do. They are planning to change that, so give it some time :)

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Show threadJan Wildeboer 😷

This thin layer can be integrated by participating banks in two ways. Either they integrate it into their own banking app/website or they decide to let the Wero app connect to the bank systems (that's what my bank opted for). Most problems people mention are with the banking apps and those problems need to be addressed by the bank, not by Wero. Keep that in mind when discussing the pro and cons, please.

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May 20 at 6:45pmWeb
Show threadLuís CorreiaMay 20

@jwildeboer NY bank already said they are aware but not really interested.

They are investing on another payment network originating from Portugal, MBWAY.

Show threadAntónio Manuel DiasMay 20

@luisfcorreia @jwildeboer

If I understood correctly, it will interoperable with Wero:

https://www.theportugalnews.com/news/2026-04-17/mbway-to-be-available-in-european-countries/1008229

MBWay to be available in European countries

SIBS stated that it will be possible to make transfers via MB Way to 13 European countries by the end of the year and that in 2027, it will allow purchases in physical stores and online in those countries.

Show threadLuís CorreiaMay 20

@ammdias @jwildeboer

I don't want to use MBWAY outside Portugal, I want to use Wero IN Portugal

similar but different

Show threadSaupreiss #Präparat500 👅🥚🥚May 20

@jwildeboer

So why this overengineered BS instead of just the good old EPC QR Code, probably enriched with a „must use ICT“ - Flag added?

Show threadT_XMay 21
@Saupreiss @jwildeboer oh, had been wondering that while reading here, if a QR Code scheme for SEPA transfers exists. Thanks for sharing! Do you know if a list of apps supporting EPC QR Codes exists? At least the Wikipedia page doesn't:
https://en.wikipedia.org/wiki/EPC_QR_code
Ideally an opensource QR code app like #BinaryEye would redirect it to a banking (or #Wero?) app (or my banks online banking site? though I don't use online banking on my phone so far)
@glsbank: Could I use EPC QR codes with you somehow?
EPC QR code - Wikipedia

Show threadT_XMay 21
@Saupreiss @jwildeboer @glsbank on second thought: I've also heard that ppl. had put malicious QR codes on top of QR codes for the parking ticket machines in my city, leading to malware downloads. .oO(maybe such a generic, powerful interface like QR codes to/with a generic QR code app might have it's downsides, too?)
Show threadSaupreiss #Präparat500 👅🥚🥚May 21

@T_X

Depends on use case. For POS, etc., thats easy to mitigate. (Even though way better Solutions already exist and are in production.)

@jwildeboer @glsbank

Show threadNiko TrimmelMay 22

@T_X how it works in Austria is: our banking apps all have an option to "create a payment from QR code". Using this, one can scan an EPC QR code that has been printed onto an individual invoices. Automatically inputs the IBAN, transaction value and reference number into the app.

No one is printing these QR codes onto anything but individual invoices, at the moment.
@Saupreiss @jwildeboer @glsbank

Show threadthomas_shoneMay 21
@T_X @Saupreiss @jwildeboer @glsbank there is a very successful zero fee "payment via link/QR code" app built on top of iDeal (precursor to Wero) called TiKKiE: https://nl.wikipedia.org/wiki/Tikkie
Tikkie - Wikipedia

Show threadSaupreiss #Präparat500 👅🥚🥚May 21

@thomas_shone

Theres the already the specified EPC QR Code. (Adoption varies widely by Country). All that it actually lags is a Flag that signals to enforce instant Transfer… Zero more infrastructure required beyond that.

(I would still prefer NFC based schemes for convenience, but hey, that’s me.)

@T_X @jwildeboer @glsbank

Show threadJürgen 𐐘May 24
@T_X @Saupreiss @jwildeboer @glsbank My Banking App supports those QR codes directly, no need for an additional App.
Show threadpadeluun ⁂May 21

@jwildeboer Einmal in technischer Schnellübersetzung: „#Wero ist KEINE neue Zahlungsplattform, sondern eine dünne Schicht auf Basis von SEPA-Überweisungen. Es ist das Ergebnis vieler Jahre, in denen die Geldtransfersysteme in der EU schrittweise vereinheitlicht wurden: Internationale Banküberweisungen wurden günstiger, kleine Transaktionen praktikabel – und jetzt vereinfacht Wero die Nutzung all dessen. Das ist ein sehr europäischer Ansatz, und ich mag ihn! #ThanksEU

(Ja, für manche Teile wird AWS genutzt. Genau wie bei vielen anderen Banking-Apps auch. Das soll künftig geändert werden – also gebt dem etwas Zeit :) (1/2)

Show threadpadeluun ⁂May 21
Diese dünne Schicht kann von teilnehmenden Banken auf zwei Arten integriert werden: Entweder bauen sie sie direkt in ihre eigene Banking-App bzw. Website ein oder sie entscheiden sich dafür, die Wero-App mit den Banksystemen zu verbinden (so hat es meine Bank gemacht). Die meisten Probleme, die Leute ansprechen, betreffen die Banking-Apps selbst – und diese Probleme müssen von den Banken gelöst werden, nicht von Wero. Bitte behaltet das im Hinterkopf, wenn ihr über Vor- und Nachteile diskutiert.“ (2/2)
Show threadJürgen 𐐘May 24
@padeluun Ich habe keine Probleme mit der Banking App Wero zu nutzen. Die Weo App verwendet ja eh nur die Deutsche Bank und die Postbank (gehören ja zusammen) ansonsten ist alles in der bereits vorhandenen Banking App integriert. Ich finde das eher ein Vortei, sonst müsste ich noch eine App installieren.