Way4 Digital Wallet

A complete payment ecosystem built on Way4

What does a Way4-based payment ecosystem look like? It is a fully integrated, end-to-end payment processing environment that includes card issuing, e-commerce acquiring, POS terminal and ATM management, Mastercard and Visa connectivity, BNPL services, credit management, and support for national and regional payment switches and hubs.

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

Accelerate time to market

Speed matters. Every month you save in project implementation translates to millions in savings and added revenue, not to mention a stronger competitive edge. According to BSG, fast innovations are 18x more disruptive.

Our agile implementation methodology focuses on iterative cycles, maintaining close collaboration with clients, and continuously adapting to feedback.

The result? Faster launch of high-impact innovations and lower costs.

Fast client and merchant onboarding

Way4 enables new users and merchants to start making payments in just minutes, thanks to flexible, regulatory-compliant onboarding workflows tailored for your target market. A few examples:

Rapid launch of new payment products 

With 95% of features configurable via parameters (compared to 30–40% in competing systems), Way4 empowers rapid innovation without coding delays.

Example: launching a multi-currency wallet is simple—Way4 lets you configure per-currency card usage, fees, limits, and real-time external exchange rates with personalization for each customer segment, whether individual or corporate.

First-to-market 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:

Designed for high-growth businesses

Way4 is designed for scale—whether you are starting locally from scratch or expanding globally. Its robust technical architecture delivers high availability and seamless performance:

• 3,400+ Transactions Per Second (TPS)

• 100+ million active customers

• 99,99% high availability

• Omnichannel: mobile, web, POS, API

Case in point: SmartPay scaled from 0 to 40 million customers and 700,000 merchants in just 3 years on Way4.

From wallet to full-scale financial ecosystem

Way4 is more than just a wallet—it’s a modular financial ecosystem that grows with your business.

Seamless integration of card rails for issuing and acquiring

Start with a wallet and expand seamlessly. With Way4’s modular architecture, you can integrate  card rails and payment functionalities without disruptive migrations or costly system overhauls. To unlock new revenue streams, add:

• Way4 Card Issuing
  

• Way4 Merchant Acquiring

• Way4 Payment Switching

• Way4 Fleet Cards Issuing & Acceptance

Integrated customizable credit schemes

Diversify your digital wallet with configurable credit products: BNPL (Buy Now, Pay Later), SNBL (Save Now, Buy Later), installments

Open banking

Seamlessly integrate with global and local payment networks, core banking systems, and external partners.

Cross-border payments

Reach a global market with instant payments, multi-currency wallets and transactions, and real-time FX rate conversion.

Flexible deployments

Way4 allows you to choose the implementation type that suits your business: in-house, cloud, Dedicated SaaS, or Shared SaaS installations.

Customizable. No limits

In digital payments, flexibility is your strategic edge. With no re-coding or delays, Way4’s rule-driven architecture enables:

• Custom pricing and installment plans

• Multi-currency accounting with dynamic exchange rates

• Tailored credit rules and fee settings

• Customized authentication, risk management, and transaction approval

• KYC, and compliance workflows by geography or customer type

Smart automation for maximum efficiency

Automate core operations with Way4 to boost ROI:

• Instant KYC and AML compliance

• Real-time fraud alerts and risk management

• Automated chargeback workflows

• Real-time multi-party, multi-currency reconciliation

Enterprise-grade security standards

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

• PCI DSS compliance
  

• Tokenization and 3-D Secure 

• Multi-Factor/Strong Customer Authentication (SCA)
  

• Real-Time Risk Management
  

Partner with a proven leader in digital payments

In today’s fast-moving financial landscape, success requires more than technology. It takes a strategic partner committed to helping you lead. Way4 empowers you to accelerate time-to-market, scale seamlessly without limits, drive innovation, and capture new revenue streams in digital payments.

Lead the transformation. Capture the opportunity!

Request a demo or download a brochure today!

Best Digital Payment Experience

Does it bother you how quickly user expectations grow for mobile wallets and how little a bank can do in response?

It is tough to keep tech-savvy bank customers engaged so that they spend more, and do so more frequently. It is no less challenging to reach the unbanked and financially underserved with payments and transfers, sometimes due to a lack of infrastructure.

To address these issues and give our customers a competitive advantage in both mature and emerging markets, we created Way4 Wallet. In this solution, we combine in-store, in-app and e-commerce payments for an exciting, personalized customer experience.

Now, you can bring your customers the best in m-commerce, e-commerce and in-store mobile payments. Make their checkouts convenient with QR codes, NFC, Apple Pay, Samsung Pay and Google Pay, tokenization, mobile coupons, restaurant bill splitting… the list goes on. Reward them with family wallet programs and geo-targeted offers. Entertain them with chatbot banking and gamified personal finance advice.

Way4 Wallet is a single platform to support all kinds of business models . Take a look at the complete list in the Way4 Wallet brochure.

Top-Ranked Vendor

The Ovum Decision Matrix report published their analysis of key software vendors in the mobile wallet space. These typically had high functionality, strong integration and configuration capabilities, major deployments in various geographies and significant market impact. In the report, OpenWay was recognized as a “Market Leader”.

Ovum analysts concluded that “focus on innovation and flexibility will be critical to long-term success in the market.”

Every Step of the Customer Journey

Way4 Wallet is the customer-centric online software system for omni-channel QR code, NFC and in-app payments and over 45 value-added services. Just scroll down and count them for yourself! Way4 Wallet orchestrates various payment services, instruments and channels, and supports every step of the customer journey: from quick user enrolment to ongoing engagement with payment and non-payment services.

Way4 Wallet makes your system smart. It is able to distinguish coffee take-outs from petrol fill-ups, and today's buyers from yesterday's. It rewards loyal customers on-the-fly. It stores and analyzes customers' personal data and transaction history to generate targeted offers in real-time and even price dynamically based on their behavior. 

What else? The solution’s multi-layer architecture allows you to customize your product.

The platform comprises three major levels:

1. Product and service management, automated workflows, online accounting and reconciliation, fraud prevention

2. Transaction management and API

3. SDK or ready-to-use UX and apps

The Way4 platform is powerful enough to handle large volumes of transaction traffic. Some of our clients serve over 16 different wallets on the same Way4 platform. Another works with 500,000 mobile agents and process 2,8 million m-commerce transactions per day.

Tech-Savvy and Unbanked