German fintech Unzer joins the ranks of the European Payments Initiative (EPI) to advocate for the unified EU payment infrastructure enabled by the digital wallet Wero.
Unzer, a Berlin-based payment platform for European small and mid-sized businesses (SMBs), has allied with dozens of EU banks and fintech players to offer an EPI Wero solution through its UnzerOne platform.
Wero is one of the essential EPI initiatives to avoid fragmentation in the European payment industry. This mobile-first wallet enables both domestic and cross-border account-to-account (A2A) payments spanning all EU countries. It combines instant transfers, QR payments, “Request to Pay” functionality, loyalty programs, and other services in a single payment solution, providing both flexibility and convenience for people and businesses across Europe.
Launched last summer, Wero is currently used only for person-to-person (P2P) payments in Germany, France, and Belgium. However, it will soon expand to e-commerce, mobile commerce, and point-of-sale (POS) transactions.
To enable the new functionality, leading local fintechs like Wordline, Nuvei, Nexi, Revolut, and more have joined the EPI initiative. Worldline has already confirmed Wero’s availability for German e‑commerce starting summer 2025, with subsequent e‑commerce rollouts for Belgium in October 2025 and France in early 2026.
With the addition of Unzer, Wero gets a chance to reach about 80K more merchants in Germany, Austria, Denmark, Luxembourg, and other European countries. Focusing on the needs of small businesses, which are the cornerstone of European economies, Unzer will help merchants easily connect to Wero services through its all-in-one platform – UnzerOne – as soon as business payments are unlocked. The full rollout is expected by September 2025.
UnzerOne provides payment processing (online, in-store, mobile POS), risk management, analytics, online checkout, unified commerce, BNPL (“upaylater”), backend systems, and full-stack SaaS services to SMBs via a unified interface. The platform helps business owners manage payments across all sales channels without handling multiple payment providers or complex tech solutions.
By partnering with Wero, Unzer is further advancing its goal of making digital commerce easier and more accessible for small and medium-sized businesses. Furthermore, the fintech would help EPI to reach its strategic goal – promoting local, secure payment solutions as a viable alternative to digital wallets offered by international payment giants. That is a solid contribution towards resilience, competitiveness, and the unification of the European payment ecosystem.
At about the same time, five local banks in Luxembourg (Spuerkeess, BGL BNP Paribas, BIL, POST Luxembourg, and Banque Raiffeisen) have also started their implementation of Wero with tech support from the LUXHUB fintech. The wallet will support P2P, e‑commerce, POS, and invoice payments. By 2026, it is supposed to replace the local mobile payment system Payconiq.
