Dutch banks switch to Wero this month. What Mollie and other providers handle, what you check yourself, and why the 2028 chargeback date matters.
If you have looked at your own checkout lately, you have probably noticed the logo. Since January, Dutch webshops show a combined iDEAL Wero mark on their payment pages. This month the change goes deeper: all Dutch banks are moving onto Wero, the European successor to iDEAL, and the first webshops can switch to the new infrastructure through their payment provider.
That touches almost every Dutch checkout. According to the Thuiswinkel Markt Monitor, 73% of all online purchases in the Netherlands in the first half of 2026 were paid with iDEAL/Wero. Whether you sell to consumers or to businesses, the chance that your shop is affected is close to 100%.
The good news is that there is no reason to panic. Most of the technical work sits with your payment service provider, and the most demanding change has been pushed back to 2028. But "my PSP handles it" is not a plan. Below we go through what actually changes, which dates matter, what Mollie and other providers take care of, what you should check yourself this month, and how to prepare for the part that will cost merchants the most effort.
For your customers, very little changes on the surface. Wero is account-to-account payment, just like iDEAL: the money moves directly from the consumer's bank account to yours, without a card in between. Customers still confirm the payment in their own banking app. Daniel van Delft, CEO of iDEAL Currence, told Emerce he expects around 95% of the user experience to stay the same.
The real changes sit underneath. Wero is run by the European Payments Initiative (EPI), a partnership of European banks and payment providers, and it is positioned as a European alternative to the card networks of Visa and Mastercard. That makes the rails European: Dutch consumers can use Wero to pay online in Germany, France, Belgium and Luxembourg, and according to Rabobank, Dutch businesses can receive Wero payments from those countries once the switch is complete. For shops that already sell across the border, that is a payment method foreign customers will recognise.
Wero also adds functions iDEAL never had, such as giving permission for future payments, which makes it a possible alternative to credit cards for subscriptions. And it adds consumer protection, including the right to dispute a payment after it has been made. That last change is the one merchants have been most worried about, and we come back to it below.
The transition is phased, and the dates have moved before. This is the picture as it stands now:
One detail is easy to miss. According to EPI, purchase protection applies from day one to new products such as Wero subscriptions. If you plan to offer recurring payments through Wero in 2027, the dispute process reaches that part of your business before it reaches the rest of your checkout.
The technical switch runs through your payment service provider. You do not build a Wero integration yourself: your provider connects to the new infrastructure, and your shop keeps talking to that provider through the same Shopware plugin or API. Each provider moves at its own pace, though, so check what yours has published and ask directly when your account migrates.
Mollie's Wero page states that Dutch banks will be ready in Q4 2026 and that it will offer Wero to Dutch merchants within that period. Activation runs through the Mollie dashboard, and the domestic Dutch rate it lists, €0.32 per transaction, matches its current iDEAL price. Buckaroo has published a Wero factsheet that makes the method available through its checkout, its API and its supported plugins. Its merchant terms are worth reading even if you use another provider, because they show what changes in practice: refunds stay possible for 13 months, there is chargeback risk, and the maximum purchase amount depends on the customer's bank, with €250 listed as the default. If you run a B2B shop with large orders, ask your own provider which limits apply.
That still leaves four things to check yourself, because they live in your shop rather than at the PSP:
For most Shopware shops this is configuration and template work, not development. Where payment data flows into an ERP through an integration layer, review those mappings at the same time.
An iDEAL payment was final. Once it went through, the money was yours. Wero changes that. With purchase protection, a consumer can dispute a payment after it has been completed and request a chargeback. Wero also introduces a structured dispute process in which the consumer's bank and the Wero provider can ultimately get involved. As Emerce points out, the burden of that falls on the seller.
Early 2028 sounds far away, but two peak seasons fall in between, and the groundwork takes time. When a dispute comes in, what helps you is evidence: complete order data, proof of delivery with track and trace, a record of customer communication and a clear returns policy. If that information lives in separate systems that do not talk to each other, collecting it becomes manual work for every single case. Shops that already handle card or PayPal disputes know the routine. For many Dutch merchants who sell mainly through iDEAL, it will be new, and this is a good moment to get those fundamentals in place.
For now, nothing. EPI has promised merchants that pricing stays at the current iDEAL level until 31 December 2028. After that the price is open. Emerce reports the common expectation that Wero will end up more expensive than iDEAL, but no tariffs have been published.
We worked out what that could mean in our comparison of payment costs at €500,000 revenue, including the effect a percentage-based fee would have on shops with high order values. The practical step today is simple: note your current iDEAL cost per transaction, and be careful with contracts that leave the price after 2028 open.
Wero is the European payment method of the European Payments Initiative, a partnership of European banks and payment providers. iDEAL is a Dutch solution and most other countries had their own. Wero replaces them with one account-to-account method that works across borders and adds features such as subscriptions and purchase protection.
Much like iDEAL. On a phone, the customer chooses Wero at checkout, opens their banking app and approves the payment. On a desktop, they scan a QR code with their banking or Wero app and approve it there. They are then sent back to your shop.
Every payment is confirmed with strong authentication in the customer's own banking or Wero app, as with iDEAL. On top of that, consumers will get purchase protection, which lets them dispute a payment if a seller does not deliver. For regular online payments, that protection arrives in early 2028.
Step by step. The combined logo appeared in January 2026, all Dutch banks move onto Wero in October 2026, and webshops switch through their payment provider from this month onward. Purchase protection follows in early 2028 as the final step.
No. Wero was built by European banks and payment providers precisely as an alternative to American card networks. One nuance: Emerce reported in April that part of Wero's cloud hosting runs on Amazon Web Services.
The move from iDEAL to Wero is less disruptive than the headlines suggest. The payment itself barely changes for your customers. The work is in the details around it: how the method is named, how it is tracked, how it is reconciled and how you will handle disputes from 2028. Check the first three this month, and use the time until 2028 to get your order data and delivery evidence in order.
As a Shopware Business Partner and official Alumio partner, Memo builds and connects webshops with the payment providers our clients already use, from Mollie to Buckaroo, and links their payment data to ERP and accounting. Not sure what the Wero transition means for your checkout and payment setup? Request a checkout audit or book an introduction call, and we will map it out for your shop.
Sources: Wero live at Dutch webshops in October 2026, Emerce · Wero gives Dutch webshops more time, Emerce · Wero partly runs on Amazon AWS, Emerce · Thuiswinkel Markt Monitor · Dutch online spending H1 2026, Logimerce · Wero, Mollie · Wero factsheet, Buckaroo · iDEAL wordt Wero, Rabobank
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