WAY4 Wallets

Combines in-store, in-app and e-commerce payments
for exciting personalized customer journey

Highest ranking among white-label software platforms

Tags: e-Commerce & In-store Wallet, Financial Inclusion Wallet, Apple Pay, SamsungPay, Google Pay, mVisa, MasterCard QR payments, UnionPay QR, White-label NFC, Closed-loop QR, B2C Wallet, Merchant Wallet, Alipay, In-app payments, Online customer on-boarding, Mobile checkout, Personalised payments, Mobile Loyalty, Digital coupons

Even shopaholics agree that the cashier desk is no fun. Remember frustration from searching for all those credit cards and coupons in your bag? From guessing which bonus points or air miles apply to this purchase? Everyone wishes it could be quicker and easier. Like in those m-commerce apps that aggregate all payment options and discounts automatically and let you checkout in two clicks. 


Many banks realize this customer experience gap. What can they do about it? Typically, the bank's payment systems are uncoordinated and mostly capable of managing cards and accounts - forget about multiple custom-tailored merchant loyalty tools.

In some regions fun and convenience is not the main requirement for a wallet. Some banks struggle to create wallets for better financial inclusion. If the country's IT infrastructure is not mature enough, it becomes crucial to support payments and transfers initiated via USSD, and to support offline processing in case of unstable Internet coverage. 


It's challenging to get more engaged customers, increased shopping frequency and higher average purchase value. To address these challenges, we created WAY4 Wallets - the customer-centric online platform for omni-channel payments, loyalty and other value-added services. It supports every step of customer journey: from quick user enrolment to further personalized engagement, payment and non-payment service provision and follow-up.   

WAY4 Wallets is smart to distinguish coffee take-outs from petrol fill-ups, or today's buyer from the yesterday's one. It would reward loyal customers on-the-fly. It can analyze user's personal data and transaction history to generate targeted offers. 

What else would you like in WAY4 Wallets? Its flexibility, elegant design and stable performance - even in projects with millions of users and thousands of transactions per second.

Wallets for tech-savvy and wallets for unbanked - all powered by WAY4


ACB Bank targets new tech-savvy and unbanked clients with all-in-one wallet on WAY4


Halyk Bank engages more merchants with smart loyalty on WAY4


AzeriCard processing company goes digital and serves WAY4 Wallets innovations to 16 banks


AIS optimizes costs with agent banking top-up and m-commerce on WAY4

For Banks, Processors & Fintech Startups

WAY4 Wallets is a single platform to support all kinds of business models and their combinations. Anytime you can expand your offering and start attracting and engaging new customer segments. With our solution, you will orchestrate cards and accounts, classical and alternative payment methods, loyalty programs, service personalization settings, delivery channels and more. 

Let your customers enjoy m-commerce, e-commerce and in-store mobile payments, tokenization, mobile coupons and restaurant bill splitting. Make their checkouts convenient with QR, NFC, Apple Pay, Samsung Pay and Android Pay. Keep them motivated with chatbot banking, family wallet programs, geo-targeted offers and gamified PFM advice. Ask us about other business models - our list is big!

WAY4 comes with rich APIs. It means full interoperability with payment schemes and various external systems. You can join the Open Banking ecosystem and obtain relevant consumer data from multiple partners. Data assets can be monetized - through targeted offers to your customer and through cross-industry collaborations.

Service Marketplace

WAY4 comes with 65+ wallet services – scroll down and count yourself. How to position them along your marketing funnel to increase revenue streams? Let OpenWay consult you. We have insight from our wallet projects in various geographies and vertical markets.

Everything is possible with flexible WAY4 accounting, pricing, authentication and risk rules, omni-channel integration layer, various mobile applications, and much more. 

Superb UX

WAY4 Wallets lets you adapt UX to various customer segments, customer lifecycle stages and, of course, to individual user preferences.

Also, our OpenWay Art Studio can create a unique and extremely convenient design to keep your tech-savvy demanding users amazed and engaged.


We Got The Highest Ranking

Ovum Decision Matrix report analyzed key vendors in the mobile wallet space – those with high functionality, strong integration and configuration capabilities, major deployments in various geographies and significant market impact. OpenWay was recognized a "Market Leader". Ovum analysts conclude that “focus on innovation and flexibility will be critical to long-term success in the market.” 

WAY4 Wallets at a Glance

wallet models

  • Cool & convenient wallets
  • Financial inclusion wallets
  • Bank wallets
  • Wallets for telcos
  • Wallets for fleet companies
  • Multi-bank wallets for payment processing companies
  • B2C and B2B wallets


  • Fast on-boarding by phone number, e-mail
  • Card validation
  • Biometrics
  • KYC online integration
  • Instant account

Payments & Transfers

  • Bills (online, schedule, recurring)
  • Bill presentment, payment requests
  • Direct debit, standing orders, invoices
  • Bill splitting
  • Cash-in
  • Mobile cash-out (QR, code)
  • In-store & P2P QR payments (Mastercard QR, mVisa, UnionPay QR, closed-loop QR payments)
  • NFC (Apple Pay, Samsung Pay, Google Pay), HCE (Host Card Emulation)
  • Online fund transfers
  • Tips
  • Closed-loop
  • Cross-border
  • SEPA Instant Payments
  • PSD2 payments (PISP)


  • Wallet account
  • Cards enrollment
  • Accounts enrollment
  • Card issuing
  • Account opening
  • Deposit service
  • Credit line
  • Instalments
  • Microfinance


  • Coupons
  • Bonus points
  • Discounts
  • Merchant clubs


  • POS, mPOS
  • In-app
  • e-Commerce (incl. 3-D Secure 2.0)
  • Omni-channel
  • Chat bot
  • P2P & P2B
  • USSD
  • API


  • Full account & risk management back-office
  • Front-office & API
  • In-house white-label
  • Cloud white-label


  • Tier-1 & SME
  • Merchant wallet
  • Merchant portal
  • API

Mobile marketplace

  • Ticketing
  • Accommodation booking
  • Financial services
  • E-commerce
  • M-commerce


  • P2P, P2B
  • Donation
  • Crowdfunding
  • Money requests
  • Lucky money
  • 3rd party services


  • Integrated into UX
  • PFM


  • Personal data analysis
  • Segmentation
  • Payment history analysis
  • Level-3 data analysis


  • Personalizd unique UX for wallet users
  • Merchant UX
  • Web-based workbenches

Payment schemes

  • Mastercard, Visa, AmEx, Diners Club, JCB, UnionPay
  • AliPay and other alternative payment methods


  • PA-DSS
  • SEPA, PSD2
  • GDPR

FOR processing companies

  • Application management
  • Financial institution management
  • Restricted access to the database


  • WAY4 is proven to support over 1,450 t.p.s. and over 200,000,000 online accounts while it is also efficient for small volumes