We aim to provide payment industry leaders and ambitious startups with top ranked payment software solutions helping them embrace the digital era challenges.

The ongoing shift makes the payment industry complex, connected, and unpredictable more than ever. Physical services are becoming virtual, and we expect them to be accessible and consumable in the fastest and simplest way. The digital customer journey is influenced by alternative payment instruments and data insight. Time to market is becoming shorter. Customers revoke their loyalty and change service providers more often. New players are invading the market. Local companies are expanding globally. Ecosystems are quickly created and destroyed. Profit margins are decreasing catastrophically.

All this requires payment institutions to be unusually agile, open-minded, tech-savvy, and cooperative. They invest in solutions that ensure uninterrupted digital customer journey and security, even when the transaction volumes grow exponentially. In platforms that provide a diversity of digital payment products and services in a unified and flexible way. In architectures that are open to inter-system and inter-channel connections and fast on-boarding of innovations. WAY4 comes with all that technology. 

WAY4 is the choice for companies looking for revenue-generating, cost-efficient, real-time payment processing. It offers product and service flexibility, dynamic pricing, event-driven architecture, innovation, scalability and high performance. 

Top-1 Digital Payment Software Platform

  • Market Leader’ by Ovum, an independent research firm, in its report “Ovum Decision Matrix: Selecting a Card Management System Platform, 2015–2016” with the highest rating in term of technological capabilities 
  • Market Leader’ by Ovum, an independent research firm, in its report “Ovum Decision Matrix: Selecting a White-Label Mobile Wallet, 2016–2017”
  • The only vendor to receive the highest rating in the “MarketScope for Multi-Regional Card Management Software” reports by Gartner since 2009
Ovum Decision Matrix: Card and Merchant Management Platforms Selection

Ovum Decision Matrix: Card and Merchant Management Platforms Selection


One Platform For Classical and Innovative Payments

WAY4 is based on ‘One Stop Shop’ principle, thus clients can run multiple business models on a single platform and covering every area of card or merchant transaction – from card and account issuing, merchant acquiring to transaction switching, omni-channel digital banking and digital wallets to e-commerce gateway, loyalty, and fleet cards.

Generally, clients consider WAY4 an investment that eliminates their need for additional issuing or acquiring solutions.

WAY4 Platform: Business view

WAY4 Platform: Business view

Powerful Engine For Your Payment Business

WAY4 Platform: Technical view

The Platform Chosen By Leaders

WAY4 software solutions are used by tier-1 and start-up banks, processors, payment switching, telecom and oil companies in Europe, the Americas, Asia, the Middle East, and Africa. We started in 1995 and have grown into a global company with a HQ in Belgium and 12 offices around the world.

WAY4 Platform at a Glance


  • Bank
  • Processing company
  • Telco
  • Retailer
  • PSP
  • Fuel / Fleet


  • SEPA
  • Shariah
  • PA-DSS

business area

  • Issuing of any payment instruments
  • Acquiring
  • Digital banking
  • E-commerce gateway
  • National switch
  • Wallet


  • Mastercard
  • Visa
  • UnionPay
  • JCB
  • American Express
  • Diners Club
  • Domestic payments
  • ISO20022 / ISO8583


  • Direct installations in 45+ countries
  • Global support
  • Multiple languages, currencies, time zones 


  • POS / mPOS / Smart POS
  • ATM / Kiosks
  • Mobile / Web
  • E-commerce / Mobile commerce
  • Social media  

Scalability & PErformance

  • From S to XXL
  • Online 24/7/365
  • 2,400 t.p.s.
  • 200,000,000 cards on a single installation
  • 15,000,000 POS clearing transactions daily by a single acquirer
  • 500,000 mobile agents on a single platforms
  • E-commerce processing in 188 countries


  • On premises
  • Cloud