WAY4. The Digital Payment Platform

Leading payment institutions use WAY4 software solutions for account management, digital wallets, card issuing, acquiring, switching, e-commerce gateway, and omni-channel digital banking.

WAY4 digital payment software platform is developed by OpenWay. Our company is the vendor chosen by SIX Payment Services, equensWorldline, Equity Bank of Kenya, Raiffeisen Bank International, Nets, Sberbank, Comdata, Network International, Credorax, Borgun, AIS Thailand, Bank Rakyat Indonesia, and others payment leaders.

Our project geography covers Europe, Asia, Africa, the Middle East and Americas. Our client portfolio includes banks and processors, telcos, fleet companies, and governmental agencies. Many of them migrated from legacy systems to WAY4 as part of their digital transformation program. Others confronted the limitations of existing service providers and decide to manage payment technology in-house. Some customers wanted to go cross-border. Others launched a greenfield business on WAY4 and became tier-1 companies.

Growing together with clients since 1998, OpenWay itself transformed from a European start-up into a global leader. We were ranked #1 by Gartner and Ovum, on top of other digital payment software vendors. 


We Got Top Rankings

  • Market Leader’ by Ovum, an independent research firm, in its report “Ovum Decision Matrix: Selecting a Card Management System Platform, 2015–2016” with the highest rating in term of technological capabilities 
  • Market Leader’ by Ovum, an independent research firm, in its report “Ovum Decision Matrix: Selecting a White-Label Mobile Wallet, 2016–2017”
  • The only vendor to receive the highest rating in the “MarketScope for Multi-Regional Card Management Software” reports by Gartner since 2009
Ovum Decision Matrix: Card and Merchant Management Platforms Selection

Ovum Decision Matrix: Card and Merchant Management Platforms Selection

One Platform For Classical and Innovative Payments

We created WAY4 as your ‘One Stop Shop’. Our clients can run multiple business models on a single platform. WAY4 covers every area of card or merchant transactions: 

  • from card issuing, account management and merchant acquiring to
  • transaction switching, omni-channel digital banking and digital wallets to
  • e-commerce gateway, loyalty, and fleet cards
  • and more

Powerful Engine For Your Payment Business


WAY4 Platform at a Glance


  • Bank
  • Processing company
  • Telco
  • Retailer
  • PSP
  • Fuel / Fleet


  • SEPA
  • PSD2
  • Shariah
  • PA-DSS

business area

  • Issuing of any payment instruments
  • Acquiring
  • Digital banking
  • E-commerce gateway
  • National switch
  • Wallet


  • Mastercard
  • Visa
  • UnionPay
  • JCB
  • American Express
  • Diners Club
  • Domestic payments
  • ISO20022 / ISO8583


  • Direct installations in 45+ countries
  • Global support
  • Multiple languages, currencies, time zones 


  • POS / mPOS / Smart POS
  • ATM / Kiosks
  • Mobile / Web
  • E-commerce / Mobile commerce
  • Social media  

Scalability & PErformance

  • From S to XXL
  • Online 24/7/365
  • 2,400 t.p.s.
  • 200,000,000 cards on a single installation
  • 15,000,000 POS clearing transactions daily by a single acquirer
  • 500,000 mobile agents on a single platforms
  • E-commerce processing in 188 countries


  • On premises
  • Cloud