As Wero expands across Europe, the banks and acquirers that adopt it need to meet the scheme’s fraud and AML requirements from the start. For larger institutions that can build their own, that’s manageable. For smaller and second-tier banks, it’s a significant regulatory lift — and the gap between “wants to join Wero” and “compliant enough to join Wero” is where Fraudio sits.
Wero’s scheme requirements for fraud detection and AML monitoring are necessary — but for smaller and second-tier banks, building that compliance infrastructure in-house is expensive, slow, and a distraction from their core business. The result: good-faith potential members sitting on the sidelines.
Smaller banks like ASN, regional cooperatives, and community banks want to offer Wero to their customers — but lack the internal fraud and AML infrastructure to meet scheme requirements without significant investment.
Acquirers and payment technology companies wanting to process Wero volumes face the same compliance gap. A ready-made, scheme-aligned fraud and AML layer removes the blocker entirely.
Every member that can’t clear the compliance bar is a missed opportunity for Wero’s network growth. A partner that provides this as a service accelerates adoption across the scheme — starting with the Netherlands and scaling out.
Fraudio’s role in the ecosystem: act as a ready-made compliance layer that EPI can point smaller members to — not as a replacement for in-house solutions at larger banks, but as the gap filler that makes Wero accessible to the long tail of the European banking and payments market.
The technical infrastructure is not the blocker here — the integration is straightforward. What matters is the commercial and go-to-market structure that lets EPI offer this to its members without friction.
A single API connection at the EPI or scheme partner level (e.g. via a processor like Agen) brings Fraudio into the Wero infrastructure. EPI becomes the parent tenant in Fraudio’s multi-tenancy architecture.
When a bank joins Wero and needs fraud and AML coverage, they’re provisioned as a Fraudio subtenant in hours — via API, no manual process. Each bank gets its own isolated environment, its own rules, and its own investigation queue.
EPI sets the baseline fraud detection and AML requirements at scheme level. Every member bank inherits and enforces them from day one — no manual rollout, no compliance gaps, no per-bank implementation project.
Within those scheme requirements, individual banks configure their own fraud rules, investigation queues, and reporting. They’re self-sufficient — EPI maintains full visibility but doesn’t need to manage their day-to-day operations.
What EPI gets
A ready-made compliance offering to give smaller members — reduces the barrier to Wero adoption across the European market
Scheme-level visibility across all member banks using the service — one console, full audit trail
Fraud and AML mandates enforced automatically across all participating banks — no per-bank follow-up required
Pricing structured for A2A and SEPA volumes — lower cost per transaction than traditional card rails, reflecting the different margin structure
No technical blocker — API integration is well-documented and proven with existing scheme and processor partners
Pricing structure
Pricing is already differentiated for A2A and SEPA volumes — meaningfully lower per transaction than for Visa/Mastercard, reflecting the different margin structure of account-to-account payments. Structured to work commercially for smaller banks from the first transaction.
Three capabilities, purpose-built for the payment flows that Wero operates across — real-time transfer monitoring, AML detection, and entity-level intelligence. Delivered through a single integration.
Dual-rail assessment combining real-time event scoring with long-term account profiling. Detects APP fraud, mule account networks, and account takeover by analysing inflow/outflow ratios, counterparty diversity, transaction velocity, and peer-group deviations simultaneously — across every Wero transfer from day one.
AI-driven AML combining custom rules, link analysis, and behavioural modelling across all payment flows — A2A, SEPA, wallets, and transfers. Built-in case management, SAR-ready exports, and sanctions / PEP list integration. Designed natively for PSD2, GDPR, and EBA guidelines.
Fraudio’s core competitive advantage: centralising fraud signals across issuing, acquiring, wallets, and A2A transfers into one AI. An account that looks clean in isolation may show clear risk patterns when its behaviour across multiple payment flows is assessed together — something no single-flow model can see.
No-code LLM-powered rules editor for compliance teams to deploy and test custom fraud and AML rules without involving engineering. Full case management with SLA workflows, team queue logic, SAR-ready exports, and complete audit trails — configurable per member bank.
Fraudio already operates within issuer processing, acquiring, and wallet monitoring environments across Europe and beyond. The connections that matter for Wero’s ecosystem are already in place.
Pismo — a Visa company — uses Fraudio’s multi-tenancy model as the “mother tenant” architecture. Their bank clients connect directly via API to use Fraudio’s services at scale. The same model applies for EPI’s Wero member banks.
Silverflow is a next-generation cloud-native acquirer processor. Fraudio is connected into Silverflow’s acquiring layer, enabling fraud intelligence for acquirers and Paytechs — a segment directly relevant to Wero’s acquiring-side expansion.
Bontak Ponic uses Fraudio specifically to monitor Wero wallet transactions for compliance and fraud detection — a live example of exactly the use case this partnership is designed to scale. The model works and the integration is proven.
On the cross-universe advantage: because Fraudio is connected to both issuing and acquiring infrastructure, the AI sees payment flows from multiple angles simultaneously — which is precisely the kind of comprehensive monitoring that Wero’s scheme requirements are designed to ensure. A tool that only monitors Wero volumes in isolation will always have blind spots.
The challenge Viva Wallet faced — growing transaction volumes, compliance teams under pressure, the need to scale coverage without scaling headcount — is the same challenge smaller Wero member banks will face as their volumes grow.
“Fraudio enables us to detect fraudulent merchants and money laundering, ensuring the safety of our clients against fraud in payments. This has been extremely helpful to our growth by providing us the ability to focus our efforts in a much more accurate manner.”
Makis Antypas — CIO, Viva Wallet
Read the full case study →How Fraudio’s patented centralised AI works — and why cross-universe monitoring delivers results that single-flow tools can’t match.
↓ DownloadDetailed breakdown of transfer monitoring capabilities — APP fraud, mule detection, SEPA Instant, and wallet-to-wallet coverage.
↓ DownloadAML capabilities for bank compliance teams — link analysis, behavioural modelling, case management, and SAR exports.
↓ DownloadTechnical integration documentation for engineering and risk teams — REST APIs, webhooks, and SDKs.
docs.fraudio.com →Full PFD capabilities for reference — real-time scoring, dynamic 3DS, and the rules engine for bank fraud teams.
↓ DownloadHappy to join a partnership or risk team call to walk through the proposition in more detail and answer specific questions.
Book a timeA ready-made fraud and AML layer for your smaller members — so the barrier to joining Wero is commercial, not technical or regulatory.