Building a better way to pay
Payments are changing. We believe the experience around them should change too.
Wetapo is a European payment technology company focused on making bank payments simpler, more accessible and easier to integrate into modern businesses.
We are building Wetapo around a straightforward idea: paying directly from a bank account should feel as natural as any other modern digital payment experience.
This is what Wetapo is here to build
Through Pay by Bank and Open Banking technology, we help businesses connect payments with the banking infrastructure their customers already use — creating a simpler path between checkout, bank authentication and payment.
For merchants, PSPs and fintech companies, that means a new way to think about bank payments: not as a traditional bank transfer, but as a payment experience built directly into the digital journey.
Our mission
Make bank payments feel simple
Great payment technology should make complexity disappear.
Behind every digital payment sits a sophisticated ecosystem of banks, payment infrastructure, APIs, authentication and technology. Businesses shouldn't need to make that complexity part of their customer experience.
Our mission is to make modern bank payments easier to access, understand and integrate.
We want businesses to be able to add Pay by Bank to their products without making bank connectivity the centre of everything they build.
And we want customers to experience a payment journey that feels straightforward: choose a bank, authenticate securely and authorise the payment.
Complex infrastructure. Simple experience.
That's the direction we're building towards.
Our vision
A future where the bank account becomes a natural way to pay
Bank accounts are at the centre of people's financial lives.
Yet for decades, the experience of paying online has often been built around layers that sit between customers, businesses and their banks.
Open Banking is creating another possibility.
It allows payment experiences to be built around direct interaction with the customer's banking environment, opening the door to a new generation of account-to-account payments.
We believe Pay by Bank will become an increasingly natural part of how businesses accept payments across Europe.
Our vision is for Wetapo to help make that transition simple.
One connection. Better bank payments. More possibilities.
Why Wetapo
Payments should move forward
The way people shop, work and manage their finances has changed dramatically.
Payment infrastructure is evolving with it.
Customers expect digital experiences to be fast and intuitive. Businesses want payment technology that integrates with the products they already operate. PSPs want to expand their payment offering without adding unnecessary complexity. Fintech companies want financial functionality that can become part of their own customer experience.
Wetapo is being built for this environment.
We focus on connecting modern businesses with Open Banking payment capabilities through technology designed around integration, flexibility and simplicity.
Not another complicated layer.
A simpler way to bring bank payments into your business.
What we believe
Simplicity matters
The best infrastructure often works quietly in the background. We believe payment technology should reduce complexity rather than move it from one place to another. From integration to the customer journey, every unnecessary step is something worth questioning.
Technology should fit the business
Every company has its own systems, products and customers. A merchant checkout is different from a PSP infrastructure. A fintech application is different from both. We believe payment technology should be flexible enough to become part of those experiences rather than forcing every business into exactly the same model.
The customer experience comes first
A technically successful payment isn't enough. The journey also needs to make sense to the person making it. Clear steps, familiar bank authentication and an intuitive flow are fundamental parts of building a payment experience people are comfortable using.
Payments should be open to innovation
European payment infrastructure is changing rapidly. Open Banking, account-to-account payments and instant payment infrastructure are creating opportunities for businesses to build payment experiences differently. We want Wetapo to be part of that evolution.
Built for European payments
European from the start
Wetapo is a Latvian company with a European outlook.
Europe is one of the world's most dynamic environments for the development of Open Banking and modern account-to-account payments.
Different markets, banks, businesses and customer expectations create complexity — but they also create an opportunity to build payment technology differently.
Wetapo is being developed with this European payment landscape in mind.
Our ambition is to make it easier for businesses to connect with modern bank payment capabilities through a consistent and scalable experience.
Built in Europe. Built for European payments.
Who we build for
Merchants
For businesses that want to give their customers another simple way to pay. Wetapo helps bring Pay by Bank into digital checkout experiences, allowing customers to use their existing bank account to authorise a payment.
Payment Service Providers
For payment companies looking to expand what they can offer their merchants. Wetapo is designed to make Open Banking payments easier to incorporate into existing payment infrastructure through a streamlined integration.
Fintechs
For technology companies building the next generation of financial products. Wetapo helps fintech teams bring bank payment capabilities into their own platforms and customer journeys without making individual bank connectivity the focus of their product development.
How we think about technology
Build the connection. Keep the experience simple.
We don't believe businesses should need to think about every layer behind a payment every time they want to offer a new payment experience.
Our approach is centred around creating a clear connection between the business, its customer journey and modern bank payment infrastructure.
For developers, that means integration should be understandable.
For product teams, it means payment functionality should fit naturally into the product.
For businesses, it means technology should be able to grow alongside their payment needs.
And for customers, much of that complexity should simply disappear.
More than another payment method
Pay by Bank isn't interesting simply because it adds another button to a checkout.
What matters is what becomes possible when bank accounts can participate directly in modern digital payment experiences.
It creates opportunities for merchants to diversify the ways customers pay.
It gives PSPs another capability to bring into their payment stack.
It allows fintech companies to embed bank payments into products where payments are only one part of a much larger experience.
And as European payment infrastructure continues to develop, the possibilities around account-to-account payments will continue to develop with it.
Wetapo is being built for what comes next.
Our ambition
Start simple. Think bigger.
We're starting with a clear focus: Pay by Bank and Open Banking payments.
But our ambition for Wetapo is broader.
We want to build a payment technology company that businesses can rely on as the European payments landscape continues to evolve.
A company that makes complicated infrastructure easier to use.
A company developers want to integrate.
A company payment teams are comfortable building around.
And a brand customers can recognise as part of a simple, modern payment experience.
We're at the beginning of that journey.
And we're building for the long term.
The future is account-to-account
The infrastructure behind European payments is evolving.
Banks are becoming more connected. Payments are becoming faster. APIs are making financial infrastructure more accessible to digital products. Open Banking is changing the relationship between banks, businesses and payment technology.
We believe the next generation of payments will be defined not by a single payment method, but by better connections between them.
Wetapo exists to help businesses make those connections.