WAY4 Payments

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WAY4 Payments software is the foundation you need to grow transaction volumes steadily and compete on price and service.

For business

  • Increase online revenues by enabling digital transformation on a single platform: POS and ATM management switching, omni-channel payments hubs, e-commerce gateway, digital wallets, instant payments, alternative payments, national and cross-border payment switching
  • Orchestrate various systems online into smart services and ensuring convenient security
  • Expand your offer with associated services and3d party partnerships via rich API
  • Provide the best possible customer experience with smart routing, fast time-to-market for new services, high stability, and a wide service offering
  • Facilitate cross-border payments supporting both unification and local specifics
  • Reduce the total cost of payment acceptance with high security standards and daily routine automation
  • Monetize the payment data for adaptive pricing and personalized services and benefit from level-3 data analysis


  • Ensure interoperabilityvia a wide range of protocols and the ability to create new ones quickly
  • Connect internalsystems, channels, payment schemes, and 3rd party service providers via rich API
  • Set your rulesfor routing, fees, and fraud prevention that are adaptive to customer behaviour
  • Create your own services using business rules and scripting
  • Achieve high security standards and fraud prevention
  • Be highlyavailable to support millions of transactions per day

Key Features


  • Universal payment hub
  • Wallet payment hub
  • POS / ATM / Kiosk switch
  • E-commerce gateway
  • M-commerce payment gateway
  • Interbank national / regional switch


  • POS
  • mPOS
  • Smart POS
  • ATM
  • E-commerce
  • In-app
  • Chat bot
  • Host-to-host
  • USSD
  • SMS


  • Flexible pricing
  • Tariff-based and event-driven routing
  • Rule-based customer scenarios
  • Level-3 data analysis
  • User defined parameters, etc.


  • Instant Payments
  • Instant B2B, B2C, P2P, B2G, C2G schemes
  • PSD2 Hub
  • 3-D Secure 2.X
  • Tokenization
  • Loyalty
  • NFC: white-label, Samsung Pay, Apple Pay, Google Pay
  • QR payments: closed-loop, mVisa, MasterPass QR, UnionPay QR
  • Dynamic currency conversion (DCC)
  • Recurring, MOTO


  • Mastercard
  • Visa
  • Diners Club
  • UnionPay
  • American Express
  • JCB
  • Alipay


  • Customization toolkit
  • Flexible integration
  • User-friendly administration console


  • ISO 8583
  • ISO 20022
  • SEPA
  • SPDH
  • NDC+
  • API, Rest API


  • Online 24/7/365
  • 2,400 transactions per second in live implementation
  • High availability
  • Scalability: S to XXL
  • Online risk monitoring
  • PA-DSS


  • Multiple currencies
  • Multiple countries, time zones
  • Multiple languages
  • Closed-loop schemes
  • Domestic schemes
  • Cross-border schemes


  • On-premise
  • Cloud

Key Benefits

Banks, processing companies, telecommunication and fleet companies, national payment switches, e-money institutions and PSPs use the WAY4 universal payment hub all over the world to run local and cross-border payment businesses.

Some our customers’ achievements

  • 34,000,000 transactions per day
  • 2,400 transactions per second
  • 1,400 various payment types on a single WAY4 installation
  • 26 independent banks organised in a regional switch with clearing & settlement on WAY4

Product/Service details

Geographic Availability
Africa, Asia-Pacific, Caribbean, Central America, Europe, Middle East, North America, South America