The session focused on what matters most to decision makers: how the Way4 platform’s new capabilities and enhancements help payment businesses operate with greater consistency, speed, and control in an environment defined by real-time expectations, regulatory pressure, and increasing operational complexity.
The 2025 releases represent a broad, coordinated step forward across card issuing, merchant acquiring, digital wallets, fleet solutions, and core platform services. Rather than isolated enhancements, these updates reflect a clear platform direction toward unified processing models, deeper automation, and scalable architectures that support growth, without proportional increases in cost or risk.
Way4 Card Issuing enhancements in 2025 focus on consistency, control, digitalization, and support for modern payment credentials.
A unified FX processing model aligns FX rules across authorization and financial posting while introducing new rate definition capabilities. This eliminates discrepancies in the lifecycle and reduces reconciliation effort.
New Issuing REST APIs provide greater commercial flexibility and control over instalment plans, fee personalization, and money transfers.
Way4 continues to support innovations from international payment systems at an early stage. In 2025, this includes support for the Visa Flexible Credential (a regional first in Southeast Asia), enabling a single card to operate across multiple payment instruments based on defined rules. Additional integrations include the Visa Alias Service 2.0 and the Visa Consumer Authentication Service. Way4 extends its support for new tokenization services, such as full support for Visa Click to Pay, Mastercard Click to Pay, and JCB tokenization. These capabilities expand digital payment scenarios while maintaining scheme compliance.
Enhancements to Way4 Merchant Acquiring focus on automation, transparency and operational speed.
New REST APIs streamline the digital onboarding process for retail merchants and partners, including those with complex hierarchies. Contracts, tariffs, settlement rules and multi-currency acquiring can be configured at the appropriate level, reducing manual setup and accelerating activation.
A new online processing fee mechanism calculates fees directly within the transaction flow for both approvals and declines. This improves revenue accuracy and simplifies settlement and reporting.
Shared POS support enables multiple acquirers to operate on a single terminal via BIN-based routing.
Faster refunds via OCT for Visa and Mastercard improve the cardholder experience while maintaining control through validations and limits. Mastercard Real-Time Clearing with Clear on Demand enables immediate clearing after authorization, reducing settlement latency.
Way4 Digital Wallet functionality has been expanded to support additional payment scenarios. New features include Request to Pay, bill splitting, B2B wallet transfers and transponder-based payments for transport use cases. A consumer wallet developer license provides a preconfigured foundation for faster wallet deployment.
Way4 Fleet now supports Visa Fleet 2.0 across issuing and acquiring, EMV compliance, and exposure of line item data for reporting and analytics purposes.
Platform-level updates reduce implementation effort and operational risk.
A new API parameter mapping mechanism enables rapid extension of REST APIs code changes.
New Workbenches, such as the Bank Contract Workbench and Installment Express Workbench, were introduced to facilitate the bank’s daily activities.
Configuration Change Management now supports full export of database configurations in JSON format. This allows for version control, comparison, and controlled merging of changes.
The Data Management Platform is available as a managed service with multiple business enhancements to provide value-added services to financial institutions.
A new Operational Fraud Prevention solution strengthens internal risk controls by addressing employee-related fraud scenarios.
For more on how the 2025 Way4 releases support your strategic payment objectives, contact the OpenWay team.