They most likely don't charge fees on consumer.

Usually the fee is on merchant (and it's few % depending on region regulations etc.) Payment providers such as Wero are doing direct bank transfer, which is usually fee-less, but then they can afford to put a on-merchant fee that's much lower than what credit card companies are charging.

Thus the model is win-win-win: Consumer doesn't pay more, Merchant pays less, and Wero gets their share.

Free for individuals, but paid if you're the business it seems from what I've found? If that's the case, it seems to be the same as a card in the US and I wouldn't be surprised if some businesses try to pass it on like they do with cards.

[0] https://www.mollie.com/growth/wero-payment-guide#:~:text=How...

[1] https://www.bnpparibasfortis.be/en/public/faq/how-much-does-...

>Our pricing is clear and merchant-friendly: a small percentage fee with built-in caps

https://wero-wallet.eu/e-m-commerce

So they charge a fee, but they don't specify what a "small percentage" is.

The payment service provider (like Stripe or Adyen).