Chargeback and Buyer Protection Layer for SEPA Payments

C7/10May 20, 2026

WhatA third-party dispute resolution and buyer protection service that sits on top of SEPA Instant and Wero transactions, replicating the chargeback protections that card networks provide.

SignalMultiple commenters identify the core blocker to merchant adoption: SEPA-based payments have no chargeback or dispute mechanism, which is the main reason card networks retain dominance at point of sale despite higher fees.

Why NowWero is targeting merchant payments in 2027 but has no native chargeback layer — this gap must be filled before meaningful card displacement can happen, creating a greenfield opportunity right now.

MarketEuropean merchants and payment processors handling card-present and card-not-present transactions; TAM is the ~1.5% interchange fee pool on hundreds of billions in European commerce; key gap is that nobody provides this for account-to-account rails.

MoatDispute resolution requires bilateral trust agreements with banks and transaction data to train fraud models — both create compounding advantages that are extremely hard for latecomers to replicate.

Goodbye Visa and Mastercard: 130M Europeans switching to sovereign payment View discussion ↗ · Article ↗ · 927 pts · May 20, 2026

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