WAY4 Merchant Acquiring

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Overview

WAY4 Merchant Acquiring is a top-rated payment software platform for acquirers to expand their merchant payment services into any region, channel or segment. With our system merchants and their acquirers are able to operate in any country and personalize their services to attract more clients. Payments are instant and rely on advanced transaction data. Payment channels go beyond just POS or e-commerce, and accept more than just cards.

In every region of the world, local and cross-border acquirers and processors are using WAY4 to deliver fast, stable and convenient services to their merchants. Among those who chose WAY4 are established players in the market, while others are ambitious start-ups.

Key Features

OMNI-CHANNEL

  • Mobile
  • POS /mPOS
  • Smart POS
  • E-commerce
  • Kiosk
  • Host-to-host
  • Agents

MERCHANT: A TO Z

  • Retail payments
  • P2M & M2M transfers
  • Fraud prevention & disputes
  • Merchant payments
  • Accounting
  • Clearing & settlement
  • Analytics & reporting

VALUE-ADDED SERVICES

  • Tokenization
  • Loyalty & bonus clubs
  • Contactless NFC (Apple Pay, Google Pay, Samsung Pay)
  • QR payments: closed-loop, Alipay, mVisa, MasterPass QR, UnionPay QR
  • Digital wallet
  • Masterpass, Visa Checkout
  • Dynamic currency pricing (DCC)
  • Multi-currency pricing (MCP)
  • Recurring / account updater
  • Instalments & sales finance
  • Level-3 data
  • Merchant loans
  • Prepaid cards

FLEXIBLE

  • Product behaviour
  • Dynamic pricing
  • Merchant hierarchies
  • Processing rules

PROFITABILITY

  • Business intelligence
  • Fee prediction
  • Interchange+

DELIVERY MODEL

  • On-premise
  • Cloud

COMPLIANCE

  • PA-DSS
  • Mastercard
  • Visa
  • Diners Club
  • UnionPay
  • American Express
  • JCB
  • Alipay

NEW CUSTOMER SEGMENTS

  • SME
  • Transport
  • Fleet
  • Marketplaces
  • PSPs, payment facilitators
  • PISP

FOR PROCESSORS

  • Multi-institution management
  • White-label acquiring, gateway and wallet

ON-BOARDING

  • Digital and online
  • Merchant Service Workbench
  • Online integration with popular CRMs (SalesForce, etc.)

MERCHANT RELATIONSHIP

  • Personalized pricing
  • User-friendly merchant portal
  • Flexible setup of payments schedule
  • Reporting & statements

CARDS & BEYOND

  • Magnetic
  • Chip EMV
  • Contactless
  • Biometrics
  • Alternative payment methods

GLOBAL AND LOCAL

  • Multiple currencies
  • Multiple countries, time zones
  • Multiple languages
  • Closed-loop

Key Benefits

  • Universal platform for issuing, acquiring, switching and digital wallets
  • Top-ranked platform by Ovum and Gartner
  • Launch of VAS: instant payments, multi-currency, tokenization, digital wallets, 3-D Secure v.2, dynamic loyalty, QR-codes and others
  • End-to-end online service
  • Days for new products creation
  • Scalability from startup to tier-1
  • High availability & geoclustering
  • Compliant with PA-DSS, GDPR, PSD