WAY4 POS & e-Commerce Merchant Acquiring

Click to download Ovum CMS research. WAY4 CMS - best overall score.
WAY4 CMS is the software solution for fast, flexible and powerful card and merchant management from the market leader.
Gartner, the world leader in IT research and consulting, gave OpenWay the highest possible rating (‘strong positive’) in 2009 and 2010.

Business overview

Explore new business opportunities and new markets ahead of your competition at a fraction of their cost. Invent, build and manage products your way. WAY4 CMS. The smart product factory.

Key Benefits

Powerful issuing and acquiring
Personalised channels accessible 24/7 online
Customer-centric products and services
Online application processing based on flexible workflow and integration facilities
Support for tokens and digital wallets
EMV card instant issuing
Rule-based pricing & comprehensive accounting
Integrated loyalty programmes & online customer behaviour analysis
Real-time risk management & fraud prevention
Multiple financial institution management for multi-branch banks and MSP/TPP
WAY4 solutions operate at 130 banks, processing and telecommunication companies worldwide. Built on an open platform and fully scalable, the solution is suitable for compact systems with 100,000 payment cards right up to high-end platforms processing over 150,000,000 debit and credit cards with 20,000 branches in 11 time zones.

Key Components

Full Cycle Issuing & Acquiring
Client and Contract Management
Single Customer Profile
Product Management
Channel Management
Accounting & Reporting
Authorisation & Clearing
Multiple Financial Institutions
Data Preparation & Key Management
EMV Card Personalisation
Relationship Management
Real-Time Risk Management
Rule-Driven Workflows
Scoring & Origination
Application Processing
Dispute Management
Consumer Debt Collections, and other
Rule-Based Products
Debit Cards
Revolving Credit Cards
Prepaid Cards
Charge Cards
Express Instalment Credit
Revolving Credit + Instalment Credits
Co-Branded Cards
Virtual & E-money
Loyalty & Gift Cards
Credit + Loyalty Card
Commercial Cards
All-Round Service
Cash Withdrawal & Acceptance
Information Requests & Notifications
Online Payments & Transfers
Cash Payments & Transfers
Currency Exchange
Cash by Code
3-D E-Commerce
Tokenization: HCE, ViDEP, MDES, MasterPass, Visa Checkout
Online Instalment Origination
Dynamic Currency Conversion
Customer-Centric Services
System of personalised customer communication via multiple customer-centric 24/7 online channels
Targeted Promotion & Sales
Account & Investment Management
Personalised Payments & Transfers
Relationship Payments
Application Processing
Customer Risk Profile
Personalised Information
Sales & Delivery Channels
POS Management & Merchant Acquiring
ATM Management
Kiosk Management
Web Banking
Mobile Banking
IVR Interface
Branch Teller Integration
Authorisation & Clearing Interfaces
Diners Club
Domestic Switch
Core Banking Systems
Credit Bureaux
Personalisation Bureaux
Scoring and Debt Collection systems
DWH, CRM and other systems


Related links


WAY4 CMS. Ingenious Product Tuning
(3470 KB)  Download

WAY4 SEPA-Compliance
(577 KB)  Download

WAY4 EMV In-Branch Instant Issuing
(392 KB)  Download


WAY4 Core

WAY4 Issuing

WAY4 Acquiring

WAY4 Multiple Financial Institutions

WAY4 Data Preparation and Card Personalisation

WAY4 AMEX Interface

WAY4 CUP Interface

WAY4 Diners Club Interface

WAY4 JCB Interface

WAY4 MasterCard Interface

WAY4 Visa Interface

WAY4 POS Management

WAY4 ATM Management

WAY4 NDC/DDC Configuration Builder

WAY4 Self-Service Kiosk Management

WAY4 ATM/Kiosk Network Statistic Analyser

WAY4 Mobile Banking

WAY4 Web Banking

WAY4 3-D Secure ACS

WAY4 3-D Secure MPI

WAY4 Bill Payment Interface

WAY4 Consumer Collection

WAY4 Core Banking Interface

WAY4 Customer Profile Management

WAY4 Host System Interface

WAY4 Real-Time Risk Management

See All

WAY4 News

Leading European processor migrates to WAY4

Icelandic credit card pioneer turns to OpenWay

Oschadbank and OpenWay Certify payWave and PayPass Contactless Acquiring in Record Time

Cardless Cash Money Transfers at ATM are Now Available in Moldova

OpenWay Recognised as Global Market Leader in Card Management Software Solutions

Acquirers on WAY4 Platform Now Can Serve Marketplaces

Leading Processor in Bulgaria Starts Digital Transformation on WAY4

Gartner Reaffirms the Highest Possible Rating of OpenWay

WAY4 Case Studies

Banksys Handles Change with WAY4

Thailand’s Payment Solution: WAY4 Prepaid Co-Branded Cards

Savings Bank of Russia Migrates to OpenWay’s WAY4 System

Innovative Projects of AzeriCard – a Red Carpet Treatment

Ukreximbank's processing on WAY4: 10 years of progress

Speeding up Profit with Contactless

Bank and Vendor: Dependency or Partnership?

Equens Strengthens its SEPA Proposition with WAY4

Savings Bank of Russia Processes over 140,000,000 Cards Online on WAY4

WAY4 Digital Wallets: NFC and QR Implementations for M-Commerce


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