WAY4 Merchants

Top-ranked merchant management system
for POS, e-commerce, mobile and omni-channel acquiring

All-in-one. Revenue-driven. Dynamic. Beyond cards.

Leading acquirers and innovative fintechs use WAY4 merchant acquiring system as their in-house omni-channel merchant acquiring software system. It can be your key to achieving multiple goals:  

  • Launch, transform and optimize various merchant acquiring business models on the same technological platform - from traditional POS acquiring and e-commerce to smart POS, merchant wallets, invisible payments, in-app and social media payments

  • Expand and scale up your merchant portfolio by offering targeted services to different merchant segments and quickly adapting to new functional requirements and volumes growth

  • Open up new revenue streams from new payment methods and acceptance technologies, mobile commerce, cross-border payments, fleet and transport projects, digital wallets, and many more

  • Become a one-stop shop for merchants by supporting their entire lifecycle: digital on-boarding and adaptive pricing, online reconciliation and accounting, and API-based integration with other critical merchant business functions

  • Optimize your costs by achieving the highest security standards and automating routine back office operations

Facts That Matter to Acquirers

  • 14% of acquiring transactions in Europe are powered by WAY4 merchant acquiring system

  • OpenWay has an established tier-1 portfolio migrations in various world regions

  • Greenfield project implementations in 3-6 months

  • 650,000 POS terminals and 15,500,000 transactions per day achieved on a single WAY4 installation


equensWordline: Pan-European acquiring

The payment giant migrated its 650,000 terminals onto WAY4 to achieve SEPA compliance and acquire 15,480,000 transactions per day.


Credorax: Cross-border acquiring

The most innovative global e-commerce acquirer launched WAY4 and saw 200% annual business growth. Today the company processes transactions in 188 countries.


Halyk Bank engages more merchants with smart loyalty on WAY4


Azericard: Classics and innovations on WAY4

This processing company serves 14 banks, over 2,000,000 clients and 30,000 POS devices, as well as offers digital wallet services via its 1,500 ATMs.


Unicre: Acquiring Leadership in Portugal

“We put WAY4 at the center of our organization. This enabled us to extend our current business lines both domestically within Portugal and cross-border”.


AIS: Mobile agents acquiring

The leading telco in Thailand achieved a 30% growth in transaction volumes and doubled its merchant portfolio to 500,000 mobile agents on WAY4 .

Diversify Your Customer Portfolio

With WAY4 merchant acquiring system, you can gain incremental revenue and reduce risk by serving different merchant types. Big retailers and SMEs, local stores, vendors of low to high-risk products...take all of them on board! Our merchant acquiring system also supports targeted services for newer merchant types, such as marketplaces, PSPs, digital wallets and transport companies.

You can also act as a PISP (Payment Initiation Service Provider) to compete in the new PSD2 payment ecosystem in Europe.

Drive Your Profitability

Pricing flexibility. Assign different fees and settlement cycles to different merchants for maximum price flexibility. For example, SMEs may appreciate simple fixed pricing, while big retailers need dynamic pricing based on turnover and card types. WAY4 also supports more personalized, event-based pricing.

Segment your merchants by size and business category, or group them into merchant hierarchies with layered fees. Our merchant acquiring system lets you play by your own rules and take into account your merchant's needs.       

Set and achieve revenue goals faster. The WAY4 fee prediction and business intelligence tools provide you with all transaction information needed to measure the profitability of every individual account in your portfolio and expand your customer base strategically in terms of profit.

Differentiate and Innovate Your Products  

Merchants want to grow their business efficiently. With the WAY4 merchant acquiring system, your clients can launch digital wallets, loyalty programs, bonus clubs and tokenization projects. And your payment acceptance can stretch beyond cards to account payments, direct debits and multiple alternative methods (e.g. Alipay and iDeal). You need this level of variety to compete with both established and emerging acquiring players.     

Merchants prefer a one-stop shop. The WAY4 merchant acquiring system itself supports multiple payment and non-payment services. To give your merchants even more options, use our rich API library and connect with specialized third party providers. Their services, such as digital identity or CRMs then become a part of your own offering. This makes you an ideal partner for merchants who want to maintain one relationship for all payment-related needs across all channels and geographies. 

Ensure Efficient and Streamlined Operations

Merchant management A-Z. The WAY4 merchant acquiring system supports the entire merchant lifecycle:

  • From online customer and product on-boarding, account opening, fees, commissions, events and counters through

  • Payments and transfers, fraud prevention and dispute assistance

  • Merchant payments, accounting, clearing and settlement, analytics and reporting

Convenient online management. You get a convenient single point of access to all merchant-related entities:  payments, terminals, transactions, contracts. These are managed through our WAY4 Merchant Service Workbench solution. Your staff can manage merchant accounts remotely and via mobile devices. 

On the merchant side, WAY4 also provides a user-friendly merchant portal and merchant mobile app. 

We Have The Highest Ranking

OpenWay has been recognized as a market leader by Ovum, an independent research firm, in its recent report “Ovum Decision Matrix: Selecting a Card Management System Platform, 2015–2016”.


Proven for Global Processors

WAY4 is used by processors that provide acquiring services directly to merchants or though other financial institutions sometimes located in different countries. The system comprises a list of useful features crucial for these business models:

  • Multi-financial institution management

  • Multiple currencies, time zones, languages

  • Compliancy with local accounting regulations

WAY4 Merchants at a Glance


  • PA-DSS

  • Mastercard

  • Visa

  • Diners Club

  • UnionPay

  • American Express

  • JCB

  • Alipay

New Customer Segments

  • SME

  • Transport

  • Fleet

  • Marketplaces

  • PSPs, payment facilitators

  • PISP

For processors

  • Multi-institution management

  • White-label acquiring, gateway and wallet


  • Digital and online

  • Merchant Service Workbench

  • Online integration with popular CRMs (SalesForce, etc.)

merchant Relationship

  • Personalized pricing

  • User-friendly merchant portal

  • Flexible setup of payments schedule

  • Reporting & statements

Cards & Beyond

  • Magnetic

  • Chip EMV

  • Contactless

  • Biometrics

  • Alternative payment methods

Global and Local

  • Multiple currencies

  • Multiple countries, time zones

  • Multiple languages

  • Closed-loop


  • Mobile

  • POS /mPOS

  • Smart POS

  • E-commerce

  • Kiosk

  • Host-to-host

  • Agents

Merchant: A to Z

  • Retail payments

  • P2M & M2M transfers

  • Fraud prevention & disputes

  • Merchant payments

  • Accounting

  • Clearing & settlement

  • Analytics & reporting

Value-added services

  • Tokenization

  • Loyalty & bonus clubs

  • Contactless NFC (Apple Pay, Google Pay, Samsung Pay)

  • QR payments: closed-loop, Alipay, mVisa, MasterPass QR, UnionPay QR

  • Digital wallet

  • Masterpass, Visa Checkout

  • Dynamic currency conversion (DCC)

  • Multi-currency pricing (MCP)

  • Recurring / account updater

  • Instalments & sales finance

  • Level-3 data

  • Merchant loans

  • Prepaid cards


  • Product behaviour

  • Dynamic pricing

  • Merchant hierarchies

  • Processing rules


  • Business intelligence

  • Fee prediction

  • Interchange+


  • On-premise

  • Cloud