Spuerkeess, BGL BNP Paribas, Banque Internationale à Luxembourg (BIL), POST Luxembourg and Banque Raiffeisen to join EPI as members, enabling their customers to send and receive money with their friends and family instantly, pay their invoices, on-line purchases and even in-store through the cross-regional payment solution, using the Wero standalone app.
„Our launch date is set for September 2026, when we will offer Peer-to-Peer transactions, e-commerce payments capabilities and invoice payments. Wero will replace Payconiq, which we acquired in 2023, with the transition starting very soon.” – the company said.
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European Payments Initiative (EPI), the European-grown player committed to offering a sovereign payment alternative to all consumers in Europe, announced the onboarding of 5 local Luxembourg banks as members, now preparing for the launch of the Wero wallet and instant A2A payment solution.
Spuerkeess, BGL BNP Paribas, BIL, POST Luxembourg and Banque Raiffeisen have started their implementation project with the support of LUXHUB, the Fintech acting as a technical service provider to ensure a smooth transition. The solution will be available to Luxembourgish customers by June 2026.
Luxembourgish consumers will have access to EPI’s services via the Wero standalone app, allowing them to make instant account-to-account payments, both within Luxembourg and across borders with Belgium, France, Germany and subsequently the Netherlands.
This roll-out is a great milestone on EPI’s journey to make a single and unified payment solution available to all Europeans a reality, with Luxembourg being the flagship of European cross-border needs (with an international workforce representing nearly 50% of the overall one, according to STATEC). Once deployed, Luxembourg consumers will then be able benefit from all existing payment use cases already available and to be deployed in Wero – peer-to-peer, e-commerce, PoS transactions along with the well-known invoice payments.
A seamless transition from Payconiq to Wero
To ensure a smooth and effective rollout of Wero in Luxembourg, EPI is working hand-in-hand with Payconiq following the company’s acquisition back in 2023.
Starting next year, Wero will progressively be offered to merchants in Luxembourg through its network and will be announced as the replacement of Payconiq to all existing merchants, enabling shops to start accepting Wero payments and gradually migrate their transactions to Wero.
With this migration period, merchants in Luxembourg will be able to connect directly and effortlessly with consumers. At the end of the transition period, Payconiq will be replaced by Wero, with an end date set for September 2026.
“Luxembourg is both at the center of Europe and the EPI project as it embodies our need to unify the payment landscape and offer sovereign cross-border solutions (…) We can now offer citizens from Luxembourg, Belgium, France, the Netherlands, Germany and many other European countries that live and work in Luxembourg an open gate to seamless cross-border payment experiences in their daily lives.” comments Stijn Van Brussel, CEO of Payconiq International.
“Opening to Luxembourgish customers is another huge milestone in finally offering a sovereign and easy payment solution to all Europeans. Luxembourg offers an ideal environment to deploy our innovative payment solution Wero. With its advanced financial infrastructure, strong digital adoption, supportive regulatory framework and central position in Europe, it serves as a strategic gateway for us to scale our innovative cross-border instant payment services.” says Martina Weimert, CEO of the European Payments Initiative (EPI).
A new milestone in offering all Europeans a sovereign way to pay
This launch builds on the successful debuts of Wero in Germany, France, and Belgium, which kicked off respectively in 2024 as well as the Netherlands, and now counts over 40 million users registered to the Wero service. This new market opening marks a key step forward in Wero’s continued expansion across Europe and reinforces EPI’s ambition: to provide a single, secure digital wallet bringing together all payment functionalities in one payment solution for all Europeans.
This rapid progress will further be driven by the continued expansion of EPI’s member network and ongoing enhancement of Wero’s services. Since early 2025, a growing number of banks, acquirers and technical service providers across Europe have joined the Wero ecosystem by incorporating the solution in their offerings, as Wero prepares for the deployment of new features, including e-commerce payments starting towards the end of the year. In-store payments, subscriptions management or loyalty programs are also on the roadmap from 2026 onwards.
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EPI (or European Payments Initiative) is supported by 16 European banks and payment service providers. They have joined forces with a common goal: to offer a unified mobile payment service, to all European companies and citizens, Wero. EPI intends to enable European consumers and to carry out all types of retail transactions simply, via a resolutely sovereign digital wallet.
Based on instant account-to-account (A2A) payments, Wero further streamlines payments in Europe by eliminating intermediaries in the payment chain and the associated additional costs. Wero already supports payments between individuals, and will shortly unveil payments to professionals (P2Pro) and those for online and mobile purchases. Point-of-sale payments will also be offered, as well as value-added services such as merchant loyalty programs and recurring subscription management.
Banking 4.0 – „how was the experience for you”
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