Wero payment flows, end‑to‑end.
Two swimlane walkthroughs of the European Payments Initiative Wero scheme — a payer-side outgoing flow and a payee-side incoming flow — across the App, the PSP / Wero hub and the Bank, with fraud screening, SCA, instant settlement, accounting and reconciliation.
User initiates a Wero transfer · alias resolution · CoP · SCA · instant settlement on TIPS · ledger debit · receipt.
Merchant Request-to-Pay · payer SCA · screening · SCT Inst credit · inbound AML · core ledger credit · webhook · reconciliation.
Three swimlanes
The same actors carry both flows — only direction and responsibilities change.
Initiates payments, builds RTPs, captures consent and SCA, and surfaces final status to the user.
Resolves aliases, performs CoP, routes interbank messages and fans out webhooks. Owns reconciliation.
Runs AML and sanctions, settles on TIPS / RT1, posts the ledger entries and emits camt notifications.