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Real-time is here. Way4 helps acquirers deliver it across rails, regions, and rules

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1 minute read

Across markets, the move to real-time is complete. Schemes like SEPA Instant Credit Transfer (SCT Inst) in Europe, PIX in Brazil, FedNow in the US, and UPI in India have embedded instant money movement into daily commerce. In the EU, new players like Wero, leveraging upon SCT Inst, are emerging to bring real-time payments into everyday consumer and merchant experiences.

For acquirers, this shift is both an opportunity and a challenge, especially since legacy platforms weren’t designed for instant clearing or real-time orchestration.

The cost of delay is real and rising.

Real-time payments continue to expand rapidly. According to McKinsey, in Europe, the number of instant payment transactions is projected to grow to almost 30 billion by 2028—an average annual increase of 50%. Financial institutions that delay adoption risk losing relevance in a market where expectations are defined by speed, visibility, and constant availability.

The Way4 digital payments software platform supports this evolution in live production. A single Way4 deployment handles over 60 million transactions per day, while also powering real-time clearing, instant payments, and support for CBDC pilots and crypto acceptance on the same platform.

How the Way4 platform enables real-time processing for acquirers

Designed for scale, proven in production. The Way4 platform powers high-throughput, always-on acquiring environments, with real-time performance already live at scale.

Card payments, cleared in real time

  • Visa: VIP full-service — authorization and clearing in one flow

  • Mastercard real-time clearing: combined auth + clearing with immediate issuer visibility

→  Faster settlement, simplified reconciliation

Account-based instant payments
Way4 acts as a processing engine for SCT Inst (SEPA Instant Credit Transfer) and regional schemes like SRTP (Standardized Real-time Payments):

  • Sub-second transaction processing

  • Real-time routing and scheme-level compliance

  • Full confidence in uptime and throughput

→  Seamless integration with instant payment schemes

Event-driven and rule-based processing
Way4 applies business logic live, including:

  • Fraud and velocity rules

  • FX margins and pricing settings

  • Product and merchant-specific limits

→  No batch jobs. No delayed adjustments. Everything is processed in real time.

Way4 already delivers what the next generation of financial services demands—a platform ready for real-time, high-volume, always-on payments across cards and accounts.

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