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Users cannot create a Wero account, but use their existing European bank account. If you want to use Wero, you need to have a current account with a European bank that supports Wero.
For merchants, the situation is similar. There’s no publicly documented Wero API for developers. Wero payments are exclusively made through the payment service providers that Wero partnered and integrated with. The implementations with Wero’s partners are currently relatively simple and are often just a hosted payment page. Your website, shop or app sends the user to a payment link within the browser. Native apps have to use the system’s in-app browser options as there’s currently no native SDK offered by any of Wero’s payment processing partners.