Decathlon Germany adds Wero payment option to decathlon.de website
Decathlon Germany adds Wero payment option to decathlon.de website
迪卡侬德国站上线 Wero 支付选项
Decathlon didn’t just add a new payment button to its German checkout page. It handed European banks their first big-box sporting goods test case at a moment when competition in digital payments is intensifying and the push for EU-made payment infrastructure is growing.
迪卡侬不仅是在其德国结账页面上增加了一个新的支付按钮。在数字支付竞争日益激烈、欧盟本土支付基础设施建设呼声渐涨的背景下，迪卡侬还为欧洲银行业提供了一个大型体育用品零售商的首次测试案例。
Decathlon switched on Wero on decathlon.de on July 20, making Germany the first market in the French group’s international footprint to carry the European payment scheme. Wero is the retail payment product of the European Payments Initiative (EPI), a consortium of banks and payment providers backed by 18 shareholder institutions and more than 50 members across the region. It routes payments directly between bank accounts in real time, authorized in the customer’s banking app via fingerprint or face recognition, so the merchant never receives a card number.
7月20日，迪卡侬在 decathlon.de 网站上启用了 Wero，使德国成为该法国集团国际版图中首个采用这一欧洲支付方案的市场。Wero 是欧洲支付倡议（EPI）旗下的零售支付产品，该倡议由 18 家股东机构和欧洲各地 50 多名成员组成的银行及支付服务商联盟支持。它通过银行账户之间进行实时转账，客户在银行 App 中通过指纹或人脸识别进行授权，因此商家无需获取客户的银行卡号。
Archive reporting shows the scale Wero is still building toward: 43 million active users across the region in August 2025, 46 million by November 2025 alongside the retail launch, and around 56 million by the time of the Decathlon rollout in July 2026, with German registrations rising from 1.3 million to 1.8 million over the same period. Decathlon joins a merchant roster that already includes Eventim Live, with Lidl, Rossmann and Hornbach expected to follow.
存档报告显示了 Wero 正在构建的规模：2025 年 8 月该地区活跃用户为 4300 万，2025 年 11 月随着零售业务的推出达到 4600 万，到 2026 年 7 月迪卡侬上线时约为 5600 万，同期德国注册用户从 130 万增长至 180 万。迪卡侬加入了一个已经包含 Eventim Live 的商户名单，预计 Lidl、Rossmann 和 Hornbach 也将陆续跟进。
The insider why
内部动因
For Decathlon, the incentive is not just optics. Patrick Müller, chief digital and chief marketing officer at Decathlon Germany, tied the launch to the retailer’s membership program, saying the connection delivers “a genuine added value” on every purchase. That frames Wero as a loyalty and retention tool, not only a checkout option.
对于迪卡侬而言，其动机不仅仅是为了形象。迪卡侬德国首席数字官兼首席营销官 Patrick Müller 将此次上线与该零售商的会员计划挂钩，称这种连接为每一笔消费提供了“真正的附加值”。这使得 Wero 不仅仅是一个结账选项，更被定位为一种忠诚度和留存工具。
Industry estimates commonly place card network processing costs at around 1 to 2 percent of transaction value in fees to Visa and Mastercard. An account to account rail that bypasses that layer can be a direct margin lever for a retailer operating at scale on thin sporting goods margins.
行业普遍估计，支付给 Visa 和 Mastercard 的卡组织处理成本约占交易额的 1% 到 2%。对于在体育用品微薄利润下大规模运营的零售商来说，绕过这一环节的“账户对账户”支付通道可以直接提升利润空间。
The rollout plan extends beyond the website. Decathlon says it is preparing the technical integration needed to bring Wero to its roughly 110 physical stores in Germany, with the goal of a consistent payment experience across online and offline channels. A joint activation campaign with EPI is scheduled for October: a six week promotion offering a €10 voucher to customers who pay with Wero on decathlon.de, funded entirely by EPI rather than Decathlon.
推广计划不仅限于网站。迪卡侬表示，正在准备将 Wero 引入其德国约 110 家实体店所需的技术集成，目标是实现线上和线下渠道一致的支付体验。与 EPI 的联合推广活动定于 10 月进行：为在 decathlon.de 使用 Wero 支付的客户提供 10 欧元的优惠券，该活动费用完全由 EPI 承担，而非迪卡侬。
The challenge and the promise
挑战与前景
EPI’s willingness to fund customer incentives points to the network’s core problem. Payment schemes live or die on how many merchants and consumers show up at the same time, and Wero still lacks in store point of sale functionality. That capability is not expected until 2026 and 2027. Joachim Schmalzl, EPI’s supervisory board chairman, has acknowledged the initiative still faces real hurdles even as he called the ecommerce launch a milestone toward “a sovereign European payment system.”
EPI 愿意为客户激励提供资金，这指出了该网络的核心问题。支付方案的成败取决于有多少商户和消费者同时使用，而 Wero 目前仍缺乏店内销售终端（POS）功能。预计该功能要到 2026 年和 2027 年才能实现。EPI 监事会主席 Joachim Schmalzl 承认，尽管他称此次电商上线是迈向“欧洲主权支付系统”的一个里程碑，但该倡议仍面临现实障碍。
Decathlon being among the first to implement the system can help test Wero’s promise: lower processing costs, tighter loyalty integration and one less transaction fee flowing to a US based network, provided Wero can close the gap between its ambitions and its still limited in store reach.
迪卡侬作为首批实施该系统的企业之一，有助于验证 Wero 的承诺：更低的交易处理成本、更紧密的忠诚度整合，以及减少流向美国支付网络的交易费用——前提是 Wero 能够缩小其雄心壮志与目前有限的店内覆盖范围之间的差距。