Way4 Digital Wallet software

The Way4-based payment ecosystem can enable a complete payment processing environment that includes card issuing, e-commerce acquiring, POS terminal and ATM management, Mastercard and Visa connectivity, BNPL services, credit management, with support for national and regional payment switches and hubs.

Way4 is recognized as the industry’s top digital payment software for digital wallets, card issuing, and merchant acquiring, rated by:

Fast wallet implementation – because every month counts

Accelerating project implementation by even a month can save you millions, giving a competitive edge and boosting a revenue. Fast innovations are 18 times more disruptive, according to BSG.

We apply an agile implementation framework to accelerate deployment timelines and optimize your cost efficiency. By working in iterative cycles, maintaining close collaboration with clients, and continuously adapting to feedback, we shorten time-to-market while minimizing unnecessary costs.

Fast client and merchant onboarding

Way4 enables new customers to start making payments in just minutes. Way4 supports flexible configuration and implementation of onboarding workflows designed to meet the specific needs of your target geography and regulatory environment.

Fast launch of new payment products

Approximately 95% of product features in Way4 are parameterizable, far exceeding the 30- 40% offered in competing systems.

For instance, if you want to offer a multi-currency wallet, Way4 lets you configure which account or card to use for each currency, set tailored fees and limits, and integrate real-time external exchange rates. You can also personalize these settings for different customer segments, whether individual users or corporate clients.

Fast innovations

OpenWay pioneered the wallet-as-a-software-platform concept and introduced the first white-label digital wallet solution in 2011. Today, our clients continue to drive payment innovation, launching cutting-edge services ahead of the curve.

Here are some examples:

Unlimited Growth

Way4 is an ideal platform for fast-growing businesses, wether you are starting from scratch or expanding across multiple countries. Way4 empowers our clients to scale rapidly thanks to its robust technical architecture designed for high availability and seamless performance.

Way4 enables to handle:

• 3,400+ Transactions Per Second (TPS)

• 100+ Million active customers

• 99,99% high availability

• Omnichannel: mobile, web, POS, API

Rich functionality

Way4 is built to scale, enabling you to integrate any functionality your business envisions, with the flexibility to evolve as your strategy does. The Way4 Digital Wallet is designed to support the entire lifecycle of your wallet, offering advanced tools for:

• customer experience and product management,

• accounting and general ledger (GL),

• payments and transfers,

• business intelligence,

• risk management,

• tokenization,

• loyalty and coupons,

• clearing and settlement.

Way4 is more than just a wallet—it’s an entire financial ecosystem in your hands. You can start with a wallet and seamlessly expand your capabilities to become a one-stop payment provider. With Way4’s modular architecture, you can integrate additional payment services without complex migrations or system overhauls, unlock new revenue streams by adding:

• Way4 Card Issuing
  

• Way4 Merchant Acquiring

• Way4 Payment Switching

• Way4 Fleet Cards Issuing & Acceptance

Through APIs or app integration Way4 Digital Wallet delivers other functions such as mobile banking, e-commerce payments, and social network connectivity. Way4 integrates effortlessly with global and local payment networks, core banking systems, and external partners, enabling you to operate within a fully connected financial ecosystem.

You can implement Way4 as an in-house, cloud, or SaaS solution.

Tailored for you – customize without limits

The difference between success and failure in digital payments often comes down to one key factor—flexibility. With Way4’s configurable, rule-driven architecture, your team can rapidly tailor digital wallet services to evolving customer needs—without the delays of lengthy development cycles. Way4 business rules enable you to:

• design custom pricing and installment plans,

• manage multi-currency accounting with dynamic exchange rates,

• set credit limits, interest rates, and fee structures,

• customize authentication, risk management, and transaction approval workflows,

• define custom workflows for compliance, security, and dispute resolution.

Smart automation – cut costs, boost efficiency

Way4 enables you to streamline operations, enhance efficiency, reduce operational costs and accelerate growth by automating:

• customer onboarding – enable instant KYC and AML compliance,

• risk management – fraud prevention with real-time alerts,

• chargeback management – faster dispute resolution with automated workflows,

• clearing & settlement – multi-party, multi-currency reconciliation in real time.

High security standards

Security is at the core of Way4’s design. With robust security protocols to protect sensitive payment data, Way4 ensures compliance with global standards and supports multiple KYC and risk management levels.

Key security features of Way4 are:

• PCI DSS compliance

• Tokenization

• 3-D Secure Support

• Muti-Factor/Strong Customer Authentication (SCA)

• Way4 Real-Time Risk Management

Muti-Factor/Strong Customer Authentication (SCA) is a highly flexible and configuration authentication framework supporting a wide range of identification and authentication methods, from simple OTPs to more complex mechanisms, to seamlessly third-party integrations via dedicated outbound APIs. The available authentication methods can be easily linked to specific events or processes, ensuring tailored security for various use cases.

Way4 Real-Time Risk Management software module automatically detects suspicious transactions online, adjusts authorization request responses and other controls automatically, and notifies our clients of potential fraudulent operations in real time. The real-time risk management engine can easily integrate and combine external risk management systems.

Seize the lead in digital payments

In today’s fast-moving financial landscape, success isn’t about having just another payment system—it’s about having a strategic partner that empowers you to lead. Way4 provides the strategic advantage to accelerate time-to-market, scale seamlessly, drive innovation, and unlock new growth opportunities in digital payments.

Lead the transformation. Capture the opportunity. Request a demo or download a brochure today!