Wero

Lidl has started to accept werothe payment system promoted by banking in Europe, in its German online store. Even at first it may not tell us much, but a supermarket of the stature of Lidl that adds one more payment method is part of a much broader movement: an attempt by Europe to stop depending on Visa and Mastercard for something as everyday as online payments. We tell you all the details. Wero, “the European bizum”. According to the chain itself has confirmedLidl is the first large supermarket in Germany to integrate Wero into its online payments. Lidl.de customers who have an account in one of the 18 banks that already support the system will be able to pay directly from their current account, in real time, and without the card or any US payment network intervening in the operation. How it works in practice. The process is simple, since it is enough to activate the Wero function once in the bank’s app, similar to the way Bizum works in Spain. From there, when completing the purchase on Lidl.de, the customer can confirm the payment from their own bank (the website automatically redirects them to the app) or scan a QR code with their mobile phone. The money comes directly from the bank account, and in case of return, it returns the same way. There are no card intermediaries involved. Why Lidl and why now. According to collect According to The Paypers, the deployment begins in Germany, but Lidl and the European Payments Initiative (EPI), the entity that manages Wero, already plan to extend its adoption to online stores in Belgium and France throughout 2026, and also incorporate payment in physical stores before the end of the year. Nicola Bracht, head of Schwarz Payment Solutions (the payments division of the Schwarz group, parent of Lidl), explained to the media that the decision responds “to the search for a fluid customer experience” and “data protection and security criteria aligned with European standards”, and has announced that the group expects Wero to continue growing as a transversal payment method across different channels. A European alternative to Visa and Mastercard. wero born in 2023 as a trademark of the EPI, an initiative founded in 2020 by fifteen European banks (including BBVA, Santander, Deutsche Bank and BNP Paribas) with the aim of building their own payment alternative that reduces dependence on Visa, Mastercard and PayPal, all of them of American origin. Its name plays on the words “we” (us) and “euro.” The system was first launched for transfers between individuals in Germany, France and Belgium, and has since expanded its scope, first to payments between individuals and companies, and now to electronic commerce. Between the lines. What makes Lidl’s incorporation relevant is not so much the gesture itself as what it represents, since Wero’s arrival in high-volume e-commerce is, precisely, the land where Visa and Mastercard get a good part of their business most profitable in Europe. Until now, Wero moved mainly in the field of transfers between individuals, something similar to what Bizum offers in Spain. That a chain with the scale of Lidl begins to accept it in its online store is a step towards that other field, that of commercial payments, where the dispute with the card networks is really played out. Lidl has not been the only one to announce a similar move. And Decathlon will also accept payments through Wero in Germany on its website, as has confirmed the chain. Economic sovereignty. This advance by Wero also comes at a time when the European payments ecosystem itself is reorganizing to another level. Bizum, together with the Italian Bancomat Pay, the Portuguese SIBS, the Polish Blik and the Nordic Vipps MobilePay, has promoted the creation of a joint company based in Madrid that seeks to make all these national systems interoperable under a common infrastructure with Wero. The president of the Spanish Banking Association, Alejandra Kindelán, counted A few months ago “when we talk about payments, we talk about economic sovereignty, competitiveness and Europe’s ability to decide its future”, and payments have gone from being a simple infrastructure to becoming a question of sovereignty. And now what. The calendar managed by EPI points to Wero reaching more online stores in France and Belgium throughout 2026, and payments in physical stores (via QR and NFC) before the end of the year. We will have to wait to know if with so much alliance and momentum from the banking sector, Wero can end up becoming a real alternative to Visa and Mastercard in Europe. Cover image | Jonas Leupe and VLADISLAV BOGUTSKI In Xataka | Mistral is very far in the AI ​​race. Samsung doesn’t care about that and plans to invest a fortune in it