Payment schemes

A2A overlay (Wero / EPI)

A2A overlay payment (Wero sample)

Retail A2A overlay: wallet intent, proxy resolve, ASPSP debit, SCT Inst settlement. Wero is the sample; Bizum, Payconiq, iDEAL, BLIK, Swish, Vipps MobilePay and TWINT follow the same split.

Why read this

Checkout or P2P where the UX is governed by EPI Company SE (Wero) but money moves on instant rails (SCT Inst). Option for direct or sub-participant bank routing.

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Technical view of A2A Overlay

Messages · pacs.008 → pacs.002

weroepiinstanta2asct-inst

Transaction flow

PSUUserSchemeOverlayASPSPBankCSMClearingCreditorBank01 Create Wero payment intent0102 Resolve proxy / alias0203 ASPSP authentication0304 SCT Inst pacs.00804 pacs.00805 pacs.002 ACSC05 pacs.00206 Wero status COMPLETED06
PSU: UserScheme: OverlayASPSP: BankCSM: ClearingCreditor: Bank
API hop Clearing hopClick a tag on an arrow (pacs.008, …) for info, usage and sample
Messages
01

Create Wero payment intent

API layer

Amount, merchant/payee alias, and return URLs. Governed by EPI Company SE scheme rules.

Codes you can see here

WERO_CREATED

psuscheme

API payload· XML

EPI Company SE merchant intent

Corporate scheme payment intent created via EPI Company SE API gateways.

<payload>
<epiSchemeVersion>2.1</epiSchemeVersion>
<corporateEntity>EPI Company SE</corporateEntity>
<intentId>epi_intent_9921a4f0</intentId>
<merchantInfo>
<merchantId>mrc_sopra_8842</merchantId>
<legalName>EPI Partner Merchant SAS</legalName>
<brandName>EPI Store France</brandName>
</merchantInfo>
<paymentContext>
<amount>
<value>189.50</value>
<currency>EUR</currency>
</amount>
<paymentType>IMMEDIATE_A2A</paymentType>
<subParticipantRouting>
<directParticipantBic>DEMOFRPPXXX</directParticipantBic>
<subParticipantBic>SUBPB2BXXXX</subParticipantBic>
</subParticipantRouting>
</paymentContext>
<status>AWAITING_SCA</status>
</payload>
17 elementsdepth 3751 charsxml
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