WAY4 Payments

The universal payment hub software that orchestrates channels and systems online

For your B2C and B2B domestic and cross-border payment business

Tags: SEPA, PSD2, Instant Payments, Smart routing, Omni-channel, Alternative payment methods, MasterCard, Visa, Diners Club, AmEx, JCB, Union Pay, Alipay, National switch, Closed-loop, P2P, Remittances, Dynamic currency conversion, Multi-currency pricing, Recurring, Billers, Loyalty, 3-D Secure 2.0, Online 24*7*365

Payments in a Brave New World  

Is your payments technology ready for the new world? Today people shop globally, send money instantly to other countries, and choose their payment method based on location, services offered, pricing or just personal preferences.

WAY4 Payments software solution is the foundation you need to grow transaction volumes steadily and win competition in pricing and offering. Consider these benefits:

  • Cost-efficiency. You can cut cost per transaction and simplify overall operations support by consolidating all your transaction processing on a single platform.

  • Competitiveness. Overcome the pressure from emerging fintech players - develop new products and deliver value-added services faster.

  • Business growth. WAY4 technology gives you carte blanche for serving new types of customers in any geographical location through any channel - and in real time.

Tier-1 Players Monetize Payments on WAY4

Tier-1 banks, processing companies, telcos, PSPs, and payment hubs use WAY4 Payments all over the world to run local and cross-border online transactions in a cost-efficient way. The system is capable of processing S to XXL volumes. 


Finnet: The Core of Payment Ecosystem in Indonesia

In 2015 Finnet achieved 34% annual growth in transaction flow. The year was also remarkable in terms of revenue, achieving 150% growth compared to the same period in 2014.


Borica: Digital Transformation on WAY4

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


Bank Rakyat Indonesia: Global Leadership in Microfinance

Bank Rakyat Indonesia, the largest microfinance institution in the world, expanded its ATM network on WAY4 from 3,000 to 18,000 terminals.


20+ White-Label 3-D Secure Projects

WAY4 3-D Secure ACS and MPI 2.0 are available already.


Asbanda: Regional Interbank Switch for 26 Banks

WAY4 as a single payment switch has united 26 banks in Indonesia.


Mastercard Payment Transaction Services: Tokenization

The WAY4 solution allows Mastercard issuers to deploy mobile-pay schemes including Apple Pay, Google Pay, Samsung Pay, and to enable wearable payments.

Easy To Launch a New Payment Business

Some of our customers known as traditional acquirers launched an e-commerce gateway on WAY4. Others - innovative PSPs - went cross-border and started POS acquiring. Some of them are  developing digital wallets to give another boost to their established transaction business. 

On WAY4 Payments you can run both classic and innovative businesses on a single platform:

  • From traditional POS and ATM management to universal omni-channel payment hubs and digital wallets

  • From card present to card-not-present (e-commerce gateway) to non-card/alternative payments

  • Instant B2B, B2C, P2P, B2G, C2G schemes

  • Domestic switches and cross-border schemes

  • API Banking, PSD2 Hub (PISP, AISP, ASPSP, PIISP roles)

Technology To Provide Interoperability


With WAY4 Payments come interoperability that increases the quality of your financial services. You can make money transfers between different legacy and new payment systems, build smart interfaces to payment providers and financial institutions, and implement any payment solution seamlessly into your IT landscape. The WAY4 solution connects:

  • Bank systems

  • Banks & Banks

  • Cards & Accounts & Mobile Money Providers

  • PSPs, Agents, Telcos, 3rd parties

Transaction Processing +

Smart services. Unique online architecture of the WAY4 Payments platform supports more than mere transaction processing. Your customers will get access to smart services based on dynamic transaction data analysis. For example, they can benefit from advanced risk monitoring, processing of loyalty points and targeted marketing offers.

Open to new initiatives. When a new opportunity arises, you can rely on WAY4's flexibility and strengthen or innovate your offering quickly. How about creating an open banking hub or digital wallet for in-store and e-commerce payments? Or may be, you need to introduce some small but profitable features?  Consider tokenization, dynamic currency conversion, recurrent payments, and other ready-to-launch WAY4 features.

Omni-channel customer experience. Omni-channel nature of the WAY4 Payments solution means that you can ensure smooth uninterrupted customer experience on multiple front-end channels. You can also prioritize touch points based on the customer behaviour analysis and transaction history.           

We Understand Your Challenges

Payments became complex: new market players, new models, new technologies disrupt your business. Increased time to market, more data to be analysed in real time, multiple systems are involved, higher requirements to security... It's scary and exciting at the same time. We support our customers in this changing environment and create solutions together - from the idea to realization.  


Complex architecture projects

  • National and cross-border switches

  • Comprehensive support from the OpenWay: joint business analysis, customization, trainings

Click to explore WAY4 PSD2 Hub

Click to explore WAY4 PSD2 Hub

Smart Innovations

  • Balance between innovations development and cost-effieciency

  • PSD2 Hub, Messenger banking, Instant schemes, 3-D Secure 2.0, Biometrics


Proven migration experience

  • Ready connections to the most widespread payment systems (CMS, RBS, CRM, terminals protocols)

  • Successful projects globally. With local interfaces support.

  • National switch project completed in one year

  • Migration methodology ready: from mainframes and open legacy systems to WAY4

WAY4 Payments at a Glance


  • PA-DSS

  • Mastercard

  • Visa

  • Diners Club

  • UnionPay

  • American Express

  • JCB


  • ISO 8583

  • ISO 20022

  • SEPA

  • SPDH

  • NDC+

  • API, Rest API


  • Online 24/7/365

  • 2,400 t.p.s. in live

  • High availability

  • Scalability: S to XXL

  • Risk Monitoring

Global and Local

  • Multiple currencies

  • Multiple countries, time zones

  • Multiple languages

  • Closed-loop schemes

  • Domestic schemes

  • Cross-border schemes


  • On-premise

  • Cloud


  • POS

  • mPOS

  • Smart POS

  • ATM

  • E-commerce

  • In-app

  • Chat bot

  • Host-to-host

  • USSD

  • SMS

Smart Routing

  • Flexible pricing

  • Tariff-based and event-driven routing

  • Rule-based customer scenarios

  • Level-3 data analysis

  • User defined parameters, etc.

EAsy management

  • Customization toolkit

  • Flexible integration

  • User-friendly administration console

Value-added services

  • Instant Payments

  • PSD2 Hub

  • Tokenization

  • Loyalty

  • NFC: white-label, Samsung Pay, Apple Pay, Google Pay

  • QR payments: white-label, mVisa, MasterPass, Alipay

  • Dynamic currency conversion (DCC)

  • Recurring, MOTO