Way4 Card Issuing payment processing software
Increase card revenue. Launch faster. Reduce platform costs.
Way4 Card Issuing enables banks, processors, and fintechs worldwide to grow issuing revenue, accelerate product launches, and reduce platform costs. With real-time processing, smart automation, and 95% parameter-driven configuration, Way4 helps payment providers replace legacy systems, launch new card products faster, and deliver personalized customer experiences at scale.
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1.8B → 2.5B transactions growth in one year on Way4
Processor for 11 banks in Europe
4.3 million debit and credit cards -
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Way4 Issuing is a real-time payments platform that helps banks, processors, and fintechs launch and scale modern payment products faster. From debit and credit cards to BNPL, wallets, tokenized payments, fleet, corporate, crypto-linked, and real-time payment services, Way4 supports multiple issuing models on a single platform across card, A2A, and wallet rails.
Launch at market speed
With Way4, banks, processors and fintechs accelerate time-to-market and reduce execution risk through predictable deployment timelines across multiple scenarios.
Way4 is 95% parameter-driven. New products, services, and processing rules are configured—not coded. Pricing, fees, limits, customer eligibility, loyalty rules, risk controls, authorization logic, channel settings, and lifecycle workflows, can be defined through business rule-based configuration. Issuers launch innovations in 4–6 weeks and capture up to +30% more revenue by moving faster than competitors.
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4 months to launch Way4 in AWS
Southeast Asian neobank
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Only 4-6 weeks
to onboard a new bank
on Way4Leading CaaS provider in EU and the UK
16,000,000 cards on Way4 in AWS
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4 months to migrate
from BPC SmartVista
to Way4Large commercial bank in Kazakhstan
+10,000,000 cards on Way4
Real-time intelligence and personalization
Way4’s AI capabilities allow clients to leverage AI as an API service and deploy AI-driven agents to enhance transaction monitoring, fraud prevention, and customer insight in real time. Its event-driven architecture applies business rules based on transactions, balances, or external triggers, enabling dynamic pricing, personalized rewards, targeted offers, and automated workflows.
“Way4’s flexibility and rich functionality across all payment domains enable us to serve diverse countries, business models, and customer segments seamlessly on a single platform. Its cross-border capabilities, stability, and scalability – combined with modern APIs and AI-readiness – equip us to innovate continuously and respond quickly to customer needs.”
“The new JIVF payment system, built on the highly configurable Way4 platform with its integrated online back- and front-office operations, ensures a digital-first customer experience.”
Keep your card top-of-wallet
Way4 enables banks, processors, and fintechs to deliver highly personalized card experiences at scale—based on actual customer behavior. This translates directly into stronger loyalty, higher transaction volumes, and increased lifetime value.
Institutions can continuously refine pricing, offers, and conditions to reflect how customers spend and interact, improving margins while staying responsive to market dynamics. Business rules are applied automatically based on transactions, balances, or external triggers, enabling dynamic pricing, personalized rewards, and targeted offers to be executed seamlessly.
The result is simple: more relevant experiences, more frequent usage, and cards that remain top-of-wallet.
Scale without limits
Banks, processors, and fintechs use Way4 to scale issuing businesses while maintaining consistent performance. A single live installation runs 200+ million cards, processing 4,000 transactions per second and 7,000 API calls per second. Multi-bank, multi-currency, and cross-border architecture ensures high availability and uninterrupted service.
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Deployed across Kenya, Uganda, Tanzania, Rwanda

965, 000 total customers
Issuing, acquiring, switch on Way4 -
2,600,000 credit cards
in 5 countries on Way4
Top Nordics processor
Cards, tokenization, API-based lending on Way4 -
Deployed across Saudi Arabia, Oman, Bahrain
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Payment processing company
Sharia-compliant instalment financing and credit card business on Way4 -
10,000,000 cards in Panama, Dominican Republic, Curaçao

Processor for all banks in its group and fintechs in LATAM
Expand without rebuilding
Way4 Issuing can be extended to digital wallets, merchant acquiring, and payment switching—all on the same platform using the same framework and business rules. The platform is inherently multi-currency, multi-institution, and multi-regulatory, enabling expansion into new markets through configuration rather than redevelopment.
Stay resilient
In a distributed, fast-changing environment, financial institutions need adaptability by design. Way4 supports distributed deployment architectures, including cloud-based environments, enabling organizations to operate flexibly and scale globally.
Our business transformation approach, according to Forbes, “can increase your chances of success when delivering complex digital transformation projects in fast-changing environments.”
Proven globally
Way4 is trusted by global innovators such as Nexi, Shift4, Network International, Equity Bank, Lotte, JACCS, Comdata, and Banesco. More than 300 financial institutions globally use Way4 Issuing to manage over 760 million accounts.
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“The new platform will allow Network International to develop solutions for our clients in a manner not available to our competitors and peers in the region. We are fortunate to have partnered with OpenWay on this platform, as it is recognized as one of the leading providers of payment software solutions in this market.”
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“The system not only gives Equity a niche in terms of competitiveness in cutting-edge technology and card management, but allows speedy and efficient transaction process in real time, and for all currencies. Equity was among the first banks in the region able to handle regional inter-switching connectivity.”
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“Way4 addresses our need for fast time-to-market and large target volumes. The system architecture allows us to centrally manage all our operations, launch innovations and sustain transaction volume growth. We enjoyed a wonderful collaboration and built friendships with OpenWay's incredible engineers. No virus can beat great teamwork!”
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“By integrating Visa Fleet 2.0 into OpenWay’s Way4 Fleet platform, we’re creating a unified ecosystem that combines issuing, acquiring, switching, fleet management, and digital wallet capabilities. This is a big step forward for connected, sustainable mobility.”
The platform is consistently ranked among the world’s leading digital payment software solutions by Gartner, Datos Insights, Omdia, Juniper Research, and PayTech.
Flexible deployment, by design
Way4 supports multiple deployment models, including public and private cloud, on-premise, SaaS, and hybrid environments.
Ready to launch or transform your card issuing business?
Whether you are building from scratch or migrating from legacy systems, partner with OpenWay to accelerate innovation, ensure operational resilience, and scale with confidence.
Card issuing functionality A to Z
Card and non-card product types
- Credit, debit, prepaid, virtual
- Corporate, business, commercial, payroll/salary cards
- Travel cards, multi-currency cards
- Crypto-backed cards, CBDC
- E-money
- Gift, retailer
- BNPL, instalments
- Tokens
- Fleet/fuel cards
- Bonus points, meal vouchers, coupons and checks
- Social cards
- Flexible Credential card products
- Multi-account cards
Payment methods
- Invoicing, bill payments, utility payments, and third-party services (such as airline ticket purchases)
- Cash-in and cash-out transactions from/to a third party to an account
- Cryptocurrency
- Mobile money
- Wallet payment
- Accounts
- QR codes
- NFC/contactless
- A2A payments
- Real-time cross-border payments
- Instant payments
- P2P payments
- Split payments
Regulation and compliance standards
- PCI SSF, PCI SLC
- PCI SSS, PCI PIN, PCI 3DS, PA DSS, PSD2, ISO 27001, PCI DSS 4.0 Level 1
- Visa, Mastercard, American Express, Diners Club, UnionPay, JCB, SEPA
- Shariah
- Domestic schemes (more than 20 schemes)
End-to-end full card lifecycle card and account management
- Digital on-boarding
- Data Preparation & Card personalization
- Instant issuing
- Account and transaction management
- Flexible fees, pricing and billing management
- Flexible authorization controls
- Clearing and settlement
- Loyalty and Promotional Campaign Management
- E-commerce 3-D Secure 2.2
- Dispute management
- Data analytics and reporting
- Fraud prevention
- Online accounting (fees, commissions) Instant fee calculation and posting
- Card Stock Management
- Tokenization
- Click to Pay (Mastercard and Visa)
Global and local operations
- Unlimited number of financial institutions
- Unlimited currencies
- Multiple countries, Multiple time zones
- Multiple languages
- Private label schemes
- Domestic schemes
- Real-time cross-border schemes
Value-added services
- BNPL, microloans, instalments
- Multi-currency cards
- AI capabilities backed by real-time data, connectivity and real-time reactions
- Data insight and analytics
- Remittances and payments
- Wallets
- Loyalty
- QR code payments: closed-loop, mVisa, MasterPass QR, UnionPay QR
- NFC payments: Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay, etc.
- Visa Flex Credentials, Mastercard One Credential
- Partner Management
- Request to Pay
- Alias Management
- Host Card Emulation (HCE)
- Cardholder Subscription Management
Processor-specific features
- Multi-institution management
- While-label card issuing, wallets
- BNPL programs
- Support for complex account hierarchies
- Data management Platform
- Fraud Prevention Services
System availability and scalability
- Online 24/7/365
- 99.99% high availability
- 5,500 tps
- Scalability: S to XXL
- Observability and Health monitoring
- Data Management Platform for analytical insights and reporting services
- Fraud Prevention Services platform for enhanced fraud prevention and risk monitoring
- Extensive API catalogue of business-related features ready for integration
- Intuitive UI (Workbenches)
- Automated daily processes
Deployment models
- On-premise
- Cloud
- Dedicated SaaS
- Hybrid