wero is a european initiative set up by a consortium of banks that is built layered upon instant payments. it's not a private company like paypal or visa, its an attempt at making European payment infrastructure
Usually these systems raise their fees after being established, sometimes even higher than Visa/Mastercard.
Brazil's Pix is something else. It wasn't created by private entities to make money.
As barely anyone has a credit card and very people want to deal with the faff of manually entering billing codes or account numbers, iDEAL usage is near universal for online payments. I don't recall fees ever going up as an end customer.
What I was reading, you're supposed to be able to send money to people with it this summer, pay in internet shops late this year and supermarkets and restaurants will follow in 2027.