Wero sets its Dutch terms: first full transactions in late October, purchase protection only from 2028, percentage pricing with a cap

Dutch e-commerce association Thuiswinkel.org published on 7 October 2026 the terms Wero set out to its members at an information session on 24 September, presented by Ivo Broeren and Amos Kater of Wero. Part of Dutch iDEAL traffic already runs over Wero infrastructure in the background; the plan calls for the first full Wero transactions in the Netherlands at the end of October 2026, with the migration off iDEAL to be complete by the end of 2027.

Purchase protection for ordinary Dutch payments arrives only in the final migration phase, from 1 January 2028, and will not allow automatic chargebacks: a consumer must first approach the webshop, then go through a formal pre-dispute process, after which the banks involved assess the case and Wero acts as final arbiter. On pricing, Wero confirmed it charges a percentage of the transaction with a cap, against iDEAL's fixed fee per payment, and said scheme pricing will on average stay comparable to iDEAL until the end of 2028.

Wero said it would review the level of the cap, particularly for webshops with high average order values. Pricing after 2028 is not known.

The Netherlands is the one European market where a dominant domestic method is being retired on a published timetable, and this is the first time the commercial terms of that swap have been stated to the merchants who have to live with them. The move from a fixed fee to a percentage is the whole story: iDEAL's flat charge made the Dutch checkout unusually cheap for high-value baskets, and ad-valorem pricing removes exactly that advantage, which is why the cap and its level now matter more than the headline rate.

The gap in purchase protection is the other half: webshops carry Wero's dispute exposure from the start, while the consumer protection that justifies a risk surcharge does not arrive until 2028. Because the same scheme is the engine of EPI's pan-European ambition, the terms written for the Dutch migration are a preview of what Wero acceptance costs elsewhere.

Whether the first full transactions land inside October, at what level the cap is set and whether it is differentiated by average order value, what PSPs and acquirers add on top in service fees and risk surcharges for purchase protection, and whether Dutch merchant associations extract a commitment on pricing beyond 2028.

• thuiswinkel.org