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.
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.