- cross-posted to:
- buyeuropean@feddit.uk
- cross-posted to:
- buyeuropean@feddit.uk
geteilt von: https://lemmy.world/post/41320668
🔗 Source: Sharknoon (Reddit)
I was looking for an alternative for PayPal and quickly stumbled upon Wero. But unfortunately Wero isn’t yet acceppted by all countries, banks and online shops. So I built werotracker.eu to keep track of the adoption of Wero.
➡️ Link: https://werotracker.eu/
This dashboard has the following features:
📈 Show adoption stats
🔍 Search for banks and online shops
✅ Filter for countries and support status (supported/announced/unsupported)
💸 See individual payment features (P2P, eCommerce, POS), not every Wero implementation is equal
📱 App availability
I hope this dashboard is helpful to you 😀
The site as well as the data is open-source under the Apache 2.0 License. You can find the source-code here: https://github.com/sharknoon/wero-tracker
If you see an error or your bank is missing, please give us a hint or contribute directly: https://github.com/sharknoon/wero-tracker?tab=readme-ov-file#contribution
Thank you and have fun 🎉
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And just like that, I sent out a request to my bank what’s keeping them from implementing it. Thx for sharing, super good that it shows that a competitor bank already announced the support, this way we can bully those into supporting it who haven’t announced it yet :)
Thanks to your comment I now did the same and wrote an email to my bank. :)
Well done! My bank supports Wero by now, but it took a long time and I wish I had sent a request to show user support in the earlier stages …
Per wikipedia:
Wero is managed by banks via their mobile apps. This creates a dependency on iOS (Apple) and Android (Google) systems. Consequently, Wero exchanges its reliance on payment networks like Visa and Mastercard, for a reliance on two Big Tech giants—Apple and Google, with the new dependency focusing on online availability and distribution through their application stores.
Needing to rely on two pro-fascist tech companies seems like a particularly bad idea. Wero also does not appear to be anonymous.
A better alternative to Wero is GNU Taler, which is a properly open standard that is a true anonymous digital cash, and offers real independence from tech-bro corporations.
We have a community that discusses GNU Taler over at !money@slrpnk.net
You‘re missing the point that Android and iOS are still the predominant platforms and realistically won’t go away anytime soon.
Using wero instead of PayPal, Visa, Mastercard, Apple Pay, … is a first step and if implemented properly the hurdle is lower than GNU Taler.
GNU Taler does the same job that Wero is attempting (replacing Paypal, Mastercard, etc), only better and anonymous. We should be pushing for a long-term solution that can’t be abused, and GNU Taler is that solution.
You‘re missing the point that Android and iOS are still the predominant platforms and realistically won’t go away anytime soon.
Android and iOS have both made it clear that they will only become further enshittified and consumer hostile. We should be advocating for non-corporate opensource replacements for them as well to truly take back our computing freedom and privacy, in same way that we should advocate for GNU Taler to free us from any corporate control over our payment systems, and give us a genuine cash-like anonymity that cannot be abused by states or corporations.
I know what GNU Taler is about and even took a look at it several month ago, tried the demo wallet. Even my bank is also following the progression close.
The first hurdle to get people on board I usability. I don’t disagree with you for the long-term, but at the moment - until further support - GNU Taler is for tech savvy people whereas WERO is in the middle of a broader rollout even at merchants.
As with Android or iOS. There are alternative mostly Android based OSes, but as long as simple stuff like banking does not work (due to root/trust issues) the acceptance from an end-user-perspective will remain low. Changing mindsets and ecosystems is a long-term game.
but at the moment - until further support - GNU Taler is for tech savvy people whereas WERO is in the middle of a broader rollout even at merchants.
I fear that without more Bank adoption and dog-fooding of GNU Taler, it may not ever get that additional support, as it is diverted in favor of the ‘good enough’ solution of Wero. I can’t say I’d mind having Wero in addition to Taler as an option.
Are you both arguing that we don’t need banking on anything but iOS and Android because people won’t switch, and that people won’t switch because banking only works on iOS and Android?
Btw: Banking works of course on my non-Android/non-iOS Smartphones. Somehow the banks have zero trust issues in letting me use their Onlinebanking Website from these devices. With my hardware QR Tan generator I can easily make instant SEPA transfers using these devices. But if I see a Wero QR code, I have no means to send money to the receiver.
You know exactly that a different type of (App-based) banking is meant by that 🤷♂️
And no, we’re not arguing that.
This is a non-argument, even though it made it onto Wikipedia. A mass-adopted Taler-based payment system would also require mobile support, which would be gatekept by Google/Apple.
Breaking oligopolist control over the mobile ecosystem is a separate battle and applies to both Wero & Taler.
That’s not to say that Wero couldn’t do more in this regard, e.g. publish to F-Droid.
A mass-adopted Taler-based payment system would also require mobile support, which would be gatekept by Google/Apple.
I can use the Taler firefox addon literally today on my Shift 6mq with postmarketOS with no compatibility layers.
Yea the UI isn’t great, but it already today is usable everywhere where firefox is usable, and unlike Wero, the client source code is available and the UX can be improved independently.
I think it’s great that you use privacy-enabling tech, and developing these is valuable in my eyes. But nothing about your setup screams “mass adoption” to me. I’ll spare everyone the mobile OS adoption charts, and browser adoption isn’t looking better.
You just can’t put out an on-par mobile service nowadays without an app in Play and Apple’s store. I don’t like it, but it is what it is.
That’s why Taler has native apps in the google play store, the apple app store, fdroid and a direct apk download. And still it does not prevent me from using it on other devices like Wero does.
Okay, Wero does not have a web application at the moment. Valid criticism.
I agree with you on numbersnumbers, but someone needs to build these things “for the nerds, by the nerds” before they can become adopted more broadly. It may take years, it may not happen, but before anything else you need a bunch of highly motivated folks and must recognise and nurture that.
The alternative is the big tech approach of binding until it’s mostly there, then dropping it on tonnes of people at once (or startups and growth hacking).
For iOS yes, for Android, no. You can have Android independent of Google, it’s what the Chinese are doing.
Nice, I was searching for something like this recently.
EPI (Wero) and EuroPA (European Payment Alliance) announced collaboration last year. Most of the banks in the tracker will never implement Wero, they will support it through integration with EuroPA payment systems like Bancomat (Italy), Bizum (Spain), MB WAY (Portugal), and Vipps MobilePay (Nordics).
If you’re in a country that doesn’t have any mobile payment system then yes, your best chance is to wait for Wero. Many people can already pay with European alternatives other than Wero and this will not change. The system will integrate, not be replaced. Only tracking Wero is weird. Wero is just one of many systems and most people will never use it. Tracking integrations between countries would be more useful.
I really hope Fennoscandinavia will join soon. I asked my bank and got a standard reply (paraphrased) “We do not reply to request like this individually. If anything happens, we’ll announce it on the website”
i mean we already have multiple national payment systems (like vipps, swish, and mobilepay) that are in the process of interlinking with eachother, and there are other eu-sanctioned digital payment systems also rolling out (like tips). wero is very early in its deployment. i would not be surprised if our banks are waiting until a clear winner emerges to jump on the single payment system.
I agree, but especially since MobilePay announced the cooperation with a Portuguese payment app as far as I remember a while back, I was hoping they would jump faster on the Wero train.
I would just prefer generally a system relying on standard SEPA transfers, like Wero, instead of having yet another national standard.
We already have vipps/mobilepay up here though, that is supported by all banks in Norway, Sweden, Denmark and Finland, and most stores with an online presence in the same and some offline stores.
Yeah, I’m aware, but I would hope for only needing one app across Europe, and not one for central Europe, one for northern Europe etc.
Also easier for tourists, as you can only set up Mobilepay if you have a bank account in one of the supportes countries and if your Google store location is set to that country.What I ment to say with it, is that those are already better supported than this wero (more banks and stores) according to what the tracker says there is of wero support.
So shouldn’t we rather hope vipps/mobilepay is the one that spreads to the rest of Europe?
Better supported is a matter of definition I’d say. Sure, Mobilepay is better supported by stores, but Wero is already now supported by more countries.
Wero is backed by a broad consortium of banks and aims to be a pan-european payment solution, while Mobilepay has been around for a while and seems to be content with staying mainly in the Nordics. Ideally Mobilepay would be compatible with Wero, but I feel that they are quite protective of their market share
Quite funny that the Ramstein AfB home team is one of the first sports teams to adopt it.
Wait why does Germany have so many church banks?
How else would they manage the 12 billion euro per year in church tax from their members which the government collects for them for free?
Not to forget the 600 million euro in yearly damag payments for condemning large swaths of church owned property (e.g. entire cities) ~200 years ago due to Napoleon.
If there is a will there is a way. The EU should just mandate a EU based payment card system. Just using existing technologies. Can’t be that difficult, or?
It is always difficult when the EU “mandates” something and all 27 sovereign countries have to follow. Did you just follow the news on “mercosur”? It took 25 years…
They EU can’t mandate anything without unanimous support from 27 countries, one of which is dictatorshipped by Orban.
This misses quite a few banks! If yours is not listed, make sure to add it!
You can check if it is there via the search bar, and if it’s not there, then there is an “add” button.
Shout out to my bank for making the suggestion to set it up. (I actually got the notification in my banks app, so the set up was easy too)
Austria has no banks supporting it, and the one bank who announced they will be supporting it is fucking Raiffeisen 😭
https://www.asnbank.nl/ is missing, but can’t find any wero updates or planning from them
Isn’t Wero basically a clone of Ideal? Should be easy enough for them.
Wero is basically iDeal+, so yeah, they’re mostly going slow to ease consumer into it. Remember, your grandma only just got used to iDeal in 2005, so we can’t rush things…
This will not catch on unless it becomes some EU directive, simply because almost each country has its own version. e.g. Spain has Bizum.
I really hope we do reach a mutual agreement for both transfers and nfc payments (EU cards I guess are a distant dream).
