Is already hanging there for a while...

I didn't know Enterprise was an international enterprise.

And of course there's a fucking McDonald's.

If only you could... you know... use it to pay for stuff? In stores? Wild concept, I know.

Good thing. I am looking forward to it.

You young people and your silly ideas!

after studying German for 8 years at school, I can almost understand this thing!

Your money is homesick for Europe. Do it like over 45 million Europeans. Pay European.

i'm a bit disappointed in wero: they want to be a european alternative, but you can only use it on devices with an operating system controlled by us companies.

i don't understand why they can not make it work in a browser? what are the technical limitations?

It works on grapheneOS.

There are some stores that already support it. Give it a year or two and adoption will be more widespread.

https://www.werotracker.eu/?view=merchants

How about a standardized payment API instead?

oh, so it was not about my money's hat.

I think governments should just release a privacy respecting token that can be transferred physically between parties without the need for facilitation or interference by any third party. Preferably, the tokens should be tied to a shared unit of account, backed by the government(s), so that a user could easily exchange tokens for digitally managed receivables with a trusted independent service provider that is responsible for security. This way, the user does not have to carry all their holdings in physical tokens but can still readily use it for ad hoc payments to other users in proximity.

A release ready MVP should include functionality such as different denominations of tokens and established ways of printing and distributing the tokens with strong safefuards against known threat actors. The tokens should have an intuitive UX so that it is easy to tell the value represented by each version of the physical token on offer. Token management in user space could be simplified by "wallets" (provided by third parties). Developers should consider a "make it rain" mode for initial beta, to attract interest to the project.

I propose this new innovation be called monke, or the return to money.

There is some momentum right now for sure. But the tracker is tracking what? Some selection of shops? Common two digit numbers of shops? Over all Europe.? Are they kidding.

But still a nice project

I would love to accept it in my store, but my terminal provider just said they wouldn't implement it.

Your comment just made me look it up again and with payone there now seems to be a German provider that supports it. Guess I consider changing to them at the end of my current contract, they cost about the same as my current one.

I mean, I'm mostly meme'ing, I will never touch it. I think it's hilarious that they do all that marketing and it's simply not functional yet.

I do sincerely wish you good luck and that it works for you though.

Even better, tell the existing one that you plan to change for that reason.

Also should work on Fairphone's e/OS.

Yea true.

Personally, my biggest issue with it is that it's tying one bank account and one phone number (at least with my bank, I've heard that other banks tie it to email addresses).
I have multiple bank accounts (one for each business plus personal ones), but only one mobile phone number. So I can only get and send wero payments with just one bank account. I cannot get/send business and personal payments simultaneously, and even if I activated it for one business, it still wouldn't work for the other.
I could only get more phone numbers, but they cost monthly, and I'm not willing to do that just for a niche payment service.

I'm still feeling positive that they even work on alternatives. But you're absolutely right, it isn't really functional right now and money should be put into development rather than marketing/user growth for now.

tying it to phone number is no biggie, look at UPI, they’ve been doing it since inception

GNU Taler is basically that. it is however exclusively for customer to merchant transactions, not user to user, to prevent money laundering.

My bank is not supporting it so I'm out for the time being

Which I have, but first I had to give a US company money for the device...

But hey, one step at a time. Progress is progress, but we do indeed need to keep going

Most banks don't yet. German banks were lagging behind on implementation so the launch was delayed.

Well when a phone number can only be used for one bank account, but someone has more bank accounts than phone numbers (which is the case for a lot of people) then it is an issue because they can't use wero with all accounts.

It does

I haven’t been able to successfully pay with it. It’s a terrible replacement for PayPal. That works with every bank and credit card. I have two bank accounts and one credit card linked to PayPal.

Wero is an inconvenient failure.

User to user transactions is how everyday people use money all the time.

I'm just going to keep on using SEPA CT. It's more convenient for me. In fact it's superior to wero in many ways, it's European, and all EU banks support it AFAIK

Do you work for PayPal or something? As of 09.2025 Wero processes 100M person-to-person transactions. That's quite a number for an inconvenient failure.

They are aiming at e-commerce next so I guess the next step will be handling payments in a browser.

Also, if it's integrated with your bank account, can you sent transfers from you bank's web portal? I can do it with Bizum which is pretty much Spanish Wero.

I have tried using it and so far have not succeeded.

Still waiting for one of my banks to implement that.

afaik when you select pay with wero, you are asked to select a bank account

I don't get why DKB does not implement it.

The list of banks that let you use wero is also pretty limited as of now, so it has a long way to go before being truly useful :(

I set it up for a friend yesterday and we exchanged a Euro back and forth so he got the 5 € welcome bonus. Seems to be a good incentive to get people on board. Hope my main bank implements it this year.

And Lineage

What do you want to look at the architecture for? That's not profit producing!!!

I fail to see how Wero would be practical for paying in a store. Using a card is faster, and if you use your phone to pay, you might as well use NFC.

webstores.

I can't use it on amazon, or to buy a plane or train ticket. Can't use it to pay for a pizza I order online, or a movie ticket, or a digital download movie or song or album.

I also don't use cards or phone payment IRL if I can avoid it. But particularly online, where I HAVE to use VISA or paypal, they're also not supporting those either.

and how do you pay with NFC? AFAIK that only works with Google Pay / Apple Pay.

Some banks have their own app that works without Google Pay or even without Play Services.

Yes, some banks. But as Wero is a european project that aims to build financial infrastructure independent of US tech, I would've liked to see such a feature (if it requires an app on a mobile phone anyway). This would make contactless payment without Google feasible for everyone (and terminal providers would only have to implement one new protocol instead of handling each bank's custom NFC stuff)

Bank apps don't implement anything custom. They act like a real card.

When QR codes? I just got back from china and that shit is amazing. No need for crazy nfc stuff or special device.. Phone and you're done. Some shops didn't even have registers.. Just a phone.

They didn't even have visa or MasterCard terminals plugged in.

I'd like to see them introduce cards. That'd make payments much more handy.