WAY4 Cards

Top-ranked end-to-end card management system

Tags: Tokenization, Virtual Cards, EMV, Contactless, Instant issuing, Credit, Debit, Prepaid, Instalment, Consumer finance, Corporate Cards, Fleet Cards, Loyalty Cards, Couponing, Closed-loop, Co-branded, 3-D Secure 2.0 ACS

Card Management System To Transform Your Business 

Look at the list of the challenges below which can trigger you to explore WAY4 Cards as a preferred card management system for your next generation of card-based products and services:    

  • Cost reduction: to spare costs of legacy system maintenance and to compete with cheaper and quicker SaaS payment service providers   
  • Open banking leadership: PSD2, open API change the way financial institutions interact with customer; it's important not to get lost  
  • New revenue streams: new customer segments, data analytics, cross-selling
  • Any payment instruments: Cards, wallets, loyalty, prepaid
  • Digital banking: to offer customer on-boarding, secure payments and strong customer authentication through any device

WAY4 Cards is a white-label end-to-end card issuing and online account management software platform which is a top choice for ambitious companies of any scale that want to start or transform their card management business efficiently and be ready for open banking challenges and opportunities. 

We Got The Highest Ranking

OpenWay, a global provider of WAY4 software solutions for bankcard issuing and acquiring, transaction switching and omni-channel payments, has been recognized as ‘Market Leader’ by Ovum, an independent research firm, in its recent report “Ovum Decision Matrix: Selecting a Card Management System Platform, 2015–2016”.

From Startup To Tier-1 Players 

Tier-1 and ambitious startup banks, processing companies and fleet companies rely on WAY4 Cards all over in their issuing business. The system is efficient for processing both small and large volumes. 

Some of our highlights

  • 200,000,000 credit and debit cards managed on a single installation
  • 2,400 t.p.s. in the live environment 
  • 14% of cards in Europe are issued on WAY4 


    Network Int.: Market Leadership in the Middle East

    Network International leads Emirates NBD's credit card migration to WAY4


    Nets Migrates to WAY4 Issuing

    CMS migrations completed for multiple banks in 3 countries. Nets and its migrated banks have successfully passed PCI audits on WAY4. The largest migrated customer portfolio consisted of over 1 million cards.


    SIX Payment Services Migrates 38 Banks in 15 Months

    SIX and OpenWayare leveraging their work together to design and implement a future-proof solution to enable SIX bank customers to select their own strategy in payments.


    Equity Bank: Financial Inclusion in Kenya

    Equity bank runs its issuing and acquiring business on WAY4 for over 10 million clients in Eastern Africa


    Borica: Digital Transformation on WAY4

    Leading processor in Bulgaria starts migration of issuing and acquiring portfolio to WAY4.


    B1NK: To be as Simple as Jeans and a Smartphone

    A Story of how the first digital bank in Central Asia was born on WAY4


    Tsesnabank: Migration in 4 Months

    Tsesnabank invests in the future and migrated from BPC's SmartVista to OpenWay's WAY4 card issuing, merchant acquiring and switching solutions.


    Bank Muamalat: Indonesia Goes Chip With OpenWay

    BMI, one of the leading Islamic banking providers in the country, is now fully compliant with the national NCICCS chip standard on both the issuing and acquiring side

    Make Credit Cards Profitable Again

    Credit cards have been the most profitable retail banking revenue channel for years, but now the golden days have passed. To increase ROA, WAY4 Cards allows you the following:

    • Be flexible in pricing:  change it dynamically for certain customer segments and under specific conditions to stimulate customer spending behavoir
    • Reduce operational costs by automation of routine operations: debt collection, disputes, customer service, fraud prevention - through user-friendly interfaces 
    • Monetize customer data. Our business intelligence engine allows you to analyze the profitability of your card portfolio and store transaction data in a convenient way that can be used to create deeply personalized service offerings  

    Mobile Instalments on WAY4: look how it works from the customer’s perspective

    Be the Customer's "Default" Card

    While open banking and fintech API technologies help to improve customer experience and quality of financial services in the market, they also require card issuers to overhaul their business strategy to ensure two main things: 1) the customer will not walk away and will continue using your card even in the 3rd party services 2) your payment processing infrastructure is ready to work with 3rd party services - in a stable and secure way.

    WAY4 platform is the only platform with online back office which means you can create product and services which will be available to your customers instantly. The WAY4 Cards makes you ready for participation in instant payments schemes and provide online access to accounts for your fintech partners. 

    Platform For New Revenue Streams

    Because WAY4 is an integrated platform which allows you to run both classic and innovative business models in different area of payments, there are number of new opportunities which you - as an issuer - can pursue on WAY4 Cards:

    • Attract new types of customers: offer mobile wallet accounts to unbanked, private label cards to merchants, and prepaid cards to tourists   
    • Build your ecosystem: integrate easily and painlessly with 3rd party companies that enhance your customers experience - scoring, digital identity, wallets providers.  
    • Increase non-credit revenues: earn on FX when issuing multi-currency cards, offer instant prepaid or virtual cards for special use (events, one-time purchase)
    • Work with merchants: organize a sales finance partnership with merchants, issue a co-branded instalment card with retailers, lead the loyalty program   

    Extra Mile Approach in Partnership


    Proven migration experience

    • Greenfield in 3 months
    • Step-by-step migration for complex projects
    • Migration methodology ready: from mainframes and open legacy systems (Base24, Vision+, ElectraCard, SmartVista, etc.) 


    • Out-of-the box packaged card products for quick start
    • Quick adoption of innovations: Tokenization, Open Banking, Biometrics, Digital Wallets
    • Joint business analysis & pre-sales 

    Your committed partner

    • Business consultancy, technical support
    • Long-term partnership
    • Continuous client's business growth, some doubling their business every 5 years 
    • OpenWay Club: the unique global network of payment practitioners and scientists to shape the future of the payment industry

    WAY4 Cards at a Glance


    • PA-DSS
    • SEPA
    • Shariah
    • Mastercard
    • Visa
    • Diners Club
    • UnionPay
    • American Express
    • JCB
    • Domestic schemes


    • Digital on-boadring
    • Instant issuing
    • Authentication
    • Card personalization
    • Flexible tariffs
    • Marketing campaigns
    • E-commerce 3-D Secure 2.0
    • Fraud prevention
    • Dispute management
    • Accounting
    • BI and reporting

    Global and Local

    • Multiple currencies
    • Multiple countries, time zones
    • Multiple languages
    • Private label schemes
    • Domestic schemes
    • Cross-border schemes

    DELIVERY model

    • On-premise
    • Cloud

    any payment instrument

    • Credit
    • Debit
    • Prepaid, Gift
    • Corporate
    • Virtual
    • Instalments
    • Token
    • e-Money

    New revenue

    • Multi-currency cards
    • API monetization
    • PFM
    • Data insight
    • Remittances & Payments
    • Sales finance partnership
    • Microloans


    • Corporate card
    • Fleet / fuel

    Value-added services

    • Wallets
    • Loyalty
    • QR payments, mVisa, MasterPass QR
    • NFC payments: Apple Pay, Google Pay, Samsung Pay

    For processors

    • Multi-institution management
    • While-label card issuing, wallets


    • Online 24/7/365 
    • 2,400 t.p.s. in live
    • High availability
    • Scalability: S to XXL