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Wero – Digital payment wallet, made in Europe

wero-wallet.eu

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Re: Wero – Digital payment wallet, made in Europe

#101

Post by riedel »

shock wrote: post #36
mzajc wrote: post #7

From what I've gathered, they've decided to make this completely unusable without a Google- or Apple-approved smartphone. Horrible! Are individual banks even allowed to make that an option for clients? Though even if they are, I doubt any will. I would LOVE a PayPal alternative, but this is just not it. -- From https://support.wero-wallet.eu/hc/en-us/articles/25599074240... : > It is not possible to use Wero via a we…

Your link is broken for me. From https://support.wero-wallet.eu/hc/en-us/articles/25599098295... it seems they don't even support phones with developer settings turned on, much less custom ROMs, rooted or jaibroken phones.

And android will actually turn off certified state if you install open source apps that were not signed by a registered developer

Re: Wero – Digital payment wallet, made in Europe

#103

Post by hocuspocus »

nicbou wrote: post #97
hocuspocus wrote: post #75

Earlier quoted context omitted.

P2P transfers are just a convenient feature, using SCT Inst behind the scenes. Pan-European payments are the bigger deal.

The first sentence is gibberish to me. The second one makes me want to ask the same question again: don't we have SEPA transfers already?

Transfers and payments aren't the same thing.

Re: Wero – Digital payment wallet, made in Europe

#104

Post by nicbou »

hocuspocus wrote: post #103
nicbou wrote: post #97

Earlier quoted context omitted.

The first sentence is gibberish to me. The second one makes me want to ask the same question again: don't we have SEPA transfers already?

Transfers and payments aren't the same thing.

I do not understand your comments

Re: Wero – Digital payment wallet, made in Europe

#105

Post by hocuspocus »

nicbou wrote: post #104
hocuspocus wrote: post #103

Earlier quoted context omitted.

Transfers and payments aren't the same thing.

I do not understand your comments

If you can't be bothered to spend 10 seconds asking Google or your favorite LLM, I'm not sure why you come here to comment on the topic.

In most cases, you can't pay a merchant using a bank transfer. Businesses and consumers need payment systems. This is not particularly hard to grasp.

Re: Wero – Digital payment wallet, made in Europe

#106

Post by lyu07282 »

joris wrote: post #95
lyu07282 wrote: post #72

Earlier quoted context omitted.

We really should try to understand your mentality, if only to understand why after 27 years the EU still doesn't have a PayPal alternative.

Because we don’t need it. The US banking system for example is fairly archaic. Where I live, paper checks went extinct about 30 years ago. Now with SEPA, bank transfers are cheap (cents), fast (seconds) and easy (IBAN). If our banking system would not be as convenient, I’m pretty sure something like PayPal would have been very popular.

So is it really just that simple? A lack of understanding what Paypal even is?

Re: Wero – Digital payment wallet, made in Europe

#107

Post by [deleted] »

microtonal wrote: post #40
sunaookami wrote: post #31

The problems with Wero is that it needs a linked phone number and nobody can answer what happens if you link two bank accounts from different banks to the same phone number (is this even supported? Why do I NEED to link my phone number?). Also, every bank needs to manually support Wero and when you want to pay online you need to scan a QR code with your phone (yes even on your desktop) and approve it inside your bank…

EU bureaucrats have nothing to do with this. They are pushing the Digital Euro instead. Wero is an initiative from a group of European banks united in EPI (European Payment Initiative). The tech is partially based on the Dutch iDEAL (which EPI acquired a few years ago). iDEAL has been around in The Netherlands for 20 years and is used for most Dutch online payments (also supported by Shopify and Stripe) and P2P payme…

[deleted]

Re: Wero – Digital payment wallet, made in Europe

#108

Post by wolvoleo »

shock wrote: post #36
mzajc wrote: post #7

From what I've gathered, they've decided to make this completely unusable without a Google- or Apple-approved smartphone. Horrible! Are individual banks even allowed to make that an option for clients? Though even if they are, I doubt any will. I would LOVE a PayPal alternative, but this is just not it. -- From https://support.wero-wallet.eu/hc/en-us/articles/25599074240... : > It is not possible to use Wero via a we…

Your link is broken for me. From https://support.wero-wallet.eu/hc/en-us/articles/25599098295... it seems they don't even support phones with developer settings turned on, much less custom ROMs, rooted or jaibroken phones.

Oh yeah that's a complete deal-breaker. I always have developer options on and I always will. Ridiculous.

And yes there should be a web/desktop option. I don't understand why this was made so crap

Re: Wero – Digital payment wallet, made in Europe

#109

Post by wolvoleo »

microtonal wrote: post #94
cyberpunk wrote: post #80

Earlier quoted context omitted.

You mean via your banks web interface? Or via some tap to pay interface? What i mean is can you use this to pick up a slab of beer in albert hein, or just to transfer some cash to a friend or such?

I can't pick up a slab of beer at Albert Heijn because it requires Google Pay. But some banks (I think Rabobank) have their own NFC app and then it works fine. But instant online iDEAL payments etc. work fine. Person to person payments using Tikkie/betaalverzoek as wel. Put differently, I never use my bank's web interface, only the phone app.

Not anymore, all Dutch banks have moved to Google/Apple pay unfortunately.

Re: Wero – Digital payment wallet, made in Europe

#110

Post by wolvoleo »

tormeh wrote: post #29
dadoum wrote: post #18

Can anyone explain me exactly why it is a suitable alternative to VISA and Mastercard (and why people were waiting for it). I am trying to understand the full picture here, so multiple things come to my mind. First, SEPA instant payments already exist and are really instant up to a certain amount, and I am guessing that Wero builds on top of that a sort of identity layer, to sidestep the whole IBAN thing. But it is l…

For the neobanks I think it's very easy to explain: Their customers need Visa or Mastercard. No Visa/Mastercard? No retail customers. It's as simple as that. Any other payment scheme is a bonus thing that can be put on the backlog.

That's a chicken/egg problem. It's going to be really easy to circumvent. Just make an EU card provider and mandate that it has to be accepted everywhere in the EU. Then users will want it and a critical mass will be created for vendors outside the EU to accept it as well.
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