Ideas shaping the future of payments
Explore Open Banking, Pay by Bank, account-to-account payments and the technology changing how businesses and customers move money.
From payment trends to practical insights, Wetapo explores the ideas, technologies and developments shaping modern bank payments across Europe.
Latest articles
Open Banking3 min read
Open Banking explained: from bank APIs to payment initiation
What Open Banking actually is, how regulated access to bank accounts works, and how a payment moves from checkout to the customer's bank and back.
Read articlePay by Bank2 min read
What is Pay by Bank and how does it work at checkout?
A step-by-step look at the customer journey: choosing a bank, approving the payment and returning to the merchant.
Payments2 min read
Instant payments in Europe: what businesses should know
How instant account-to-account payments are changing settlement times, cash flow and customer expectations.
Fintech2 min read
How PSPs are adding bank payments to their platforms
Why payment service providers are offering Pay by Bank next to cards, and what it takes to add it to an existing stack.
Open Banking2 min read
How customer consent works in Open Banking
Strong customer authentication, consent screens and why the customer stays in control of every payment.
Pay by Bank2 min read
Where Pay by Bank fits next to cards and wallets
When account-to-account payments make sense, and how to present them alongside the payment methods customers already use.
Payments2 min read
Refunds and reconciliation with account-to-account payments
A practical guide to refunds, payment references and matching bank payments to orders.
Fintech2 min read
Embedded payments: building bank connectivity into your product
How fintech products use APIs to make bank payments part of their own customer journeys.
Pay by Bank2 min read
Pay by Bank on mobile: designing a smooth app-to-app flow
How customers jump from your checkout to their banking app and back, and the details that keep the flow fast.
Payments2 min read
Card fees and bank payments: comparing the costs
Where the costs of accepting a payment come from, and how account-to-account payments change the picture.
Payments are changing
The way businesses accept payments continues to evolve.
For years, online payments have largely been built around cards and traditional bank transfers. Open Banking introduces another approach — allowing businesses to create payment experiences that connect customers directly with their banks.
This shift is helping account-to-account payments become a more visible part of the European payments landscape.
At Wetapo, we look at what these changes mean for merchants, payment service providers, fintech companies and the customers using their products.
Payments, without the jargon
The payments industry is full of technical terminology.
PIS, A2A, APIs, authentication, payment initiation, instant payments and Open Banking can quickly make a relatively simple concept sound complicated.
Our goal is to make these topics easier to understand — whether you're responsible for payments at a business, developing a fintech product or simply exploring new ways to accept payments.
Built for people working with payments
Wetapo Resources is designed for different teams across the payments ecosystem.
Payment teams
Understand emerging payment methods and how they can fit into your payment strategy.
Developers
Learn more about the technology and concepts behind modern bank payments.
Product teams
Explore how Pay by Bank can become part of digital customer journeys.
Business leaders
Understand how Open Banking and account-to-account payments are changing the European payments landscape.
Stay closer to what’s changing in payments.
Explore ideas, trends and practical insights from Wetapo.