PPE takes a key step with its first e-commerce transactions

PPE is becoming a key player in the European payments landscape, offering a strong and competitive alternative to global giants, while meeting the expectations of consumers and traders.

FACTS

• The European Payments Initiative (EPI), a project supported by several major European banks, has carried out its first e-commerce transactions.
• This milestone marks a significant step towards the full deployment of its digital portfolio Wero planned for this year.
• Transactions were made between the end of November and mid-December at the German football club's online shop 1. FC Kaiserslautern.
• This necessitated the seamless integration of the Wero portfolio into the online platform of the merchant and its acquiring partner, VR Payments, as well as in the banking application of end users.
• Further tests are planned in the first half of 2025 before the official launch in Germany this summer. Belgium will follow in autumn and France in early 2026.
• The EPI e-commerce module will cover standard usage cases such as one-time payments and refunds, with the gradual addition of more complex features.
• In 2026, in-store payment solutions, built-in loyalty programs, BNPL options (Buy Now, Pay Plus Tard) and spending sharing will enrich the offer.

ISSUES

• Streamline with international giants The EPI aims to offer a credible European alternative to Mastercard and Visa, thus strengthening Europe's strategic independence in terms of payments.
• Simplicity and safety for consumers : The success of the test proves that the EPI solution meets high requirements in terms of user friendliness, safety and efficiency, key elements to seduce users.
• Progressive adoption and extended coverage : With a phased deployment schedule, the EPI is building on a gradual rise to maximize adoption and reduce the risks associated with large-scale launch.
• Meeting the growing demand for digital solutions The integration of features such as the BNPL or loyalty programs reflects a desire to align with new consumption habits and enrich the user experience.

PERSPECTIVE

• In a context where the payment sector is dominated by non-European actors, the EPI is part of a strategic approach to strengthening Europe's financial sovereignty. The success of its portfolio Werowho has already conquered 14 million users and recorded 8 million P2P transactions Since its launch, there has been promising potential.
• As the adoption of digital payments continues to grow in Europe, the launch of innovative solutions such as those of the PPE could encourage other similar initiatives to emerge. In addition, future features, such as in-store payments and BNPL options, could upset consumer habits and redefine industry standards.

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