Luxembourg switches off Payconiq: Wero takes over in store, online and on invoices
On 30 September 2026 Payconiq ceased operating in Luxembourg; Wero now handles payments in store, in webshops and on invoices through five banks. According to EPI, old Payconiq QR codes can still be scanned with the Wero app until 31 December 2026. For German merchants, it is the first fully completed Wero migration to study.
What happened
Since 30 September 2026 the Payconiq platform in Luxembourg has been closed. The European Payments Initiative (EPI) announced the launch of Wero in the Grand Duchy on 1 September; the participants are BIL, BGL BNP Paribas, Banque Raiffeisen, POST Luxembourg and Spuerkeess. According to EPI, all existing functions are retained: payments between individuals, to businesses, on invoices, in webshops and in store. New are cross-border payments; subscriptions, payment on delivery, one-click payments and contactless payment at the till are planned. According to EPI, existing Payconiq QR codes on invoices and in shops can still be scanned with the Wero app until 31 December 2026.
Who is affected
Merchants and service providers in Luxembourg that use Payconiq QR codes at the till or on invoices. Indirectly, German merchants in the border region with customers from Luxembourg, online retailers with customers in the Benelux countries, and anyone who wants to watch how Wero arrives at the shop counter.
Assessment
Luxembourg is small, but the pattern is big. Here an established payment method was not run alongside Wero but switched off on a fixed date. Merchants got a transition phase in which both methods ran in parallel, and a buffer for printed QR codes until the end of the year. That is what a migration looks like that a merchant can plan for. Worldline tells its merchants that Wero acceptance in the webshop is a simple switch. That holds for the shop. At the till it is more work, because QR codes have to be replaced and staff briefed.
For Germany this means: when Wero arrives more broadly at the till in 2027, the process will change again, and the question of price remains open. I pointed that out in my commentary on the Wero decision. Luxembourg now provides the practice: the technology can be switched over in a few weeks. What a merchant needs to know beforehand are the terms, the payout times and who their contact is when problems arise.
What to do now
- Merchants with customers from Luxembourg or Belgium: check whether Payconiq signs are still displayed at the till or on invoices, and replace them by the end of the year.
- Ask your own payment network operator (Netzbetreiber) when Wero will be offered at the terminal and at what price per payment.
- Watch the Dutch iDEAL switchover in October — it shows how Wero arrives in the webshops of a large market.