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OpenWay Group ( is a global developer and vendor of WAY4, an open digital payment software platform covering issuing, acquiring, switching, omni-channel digital banking, digital wallet, e-commerce gateway, loyalty, and fleet cards. WAY4 software solutions are used by 135 banks, processors, payment switching, telecom and oil companies in Europe, the Americas, Asia, the Middle East, and Africa. We started in 1995 and have grown into a global company with HQ in Belgium and 12 offices around the world.

OpenWay was ranked as The Market Leader in Card and Merchant Management by Gartner (since 2009) and Ovum (2015-2016), and a Market Leader in Digital Wallets by Ovum (2016).

WAY4 is the choice for companies looking for cost-efficient, real-time payment processing, product and service flexibility, speed-to-market, mobile and cloud innovations, scalability and high performance. Our clients rely on OpenWay’s expertise to migrate smoothly from rigid and expensive legacy systems to the modern WAY4 payment platform.

Our clients are tier-1 giants, mid-size players and ambitious start-ups, such as:

  • Equens Worldline, Western Europe – SEPA-acquiring of 0.6 million merchants on WAY4;
  • SIX Payment Services, Switzerland – migrated issuing business of 38 financial institutions to WAY4 and launched mobile wallet for P2P money transfers on WAY4
  • Sberbank Russia – issuing and acquiring back-office and authorisation switch for 200 million credit and debit cards on WAY4;
  • Comdata, USA – corporate prepaid and signature debit cards on WAY4;
  • Network International – a Middle Eastern processing giant with over 35 banks to be supported on WAY4;
  • B1NK, Kazakhstan – the digital-only bank for the new generation, serving customers via mobile app, social networks and messengers on WAY4
  • Credorax, named the Best Merchant Acquirer at MPE 2015 – a global e-commerce acquiring provider, serving both traditional and e-commerce merchants on WAY4;
  • Asbanda, a national switch to connect 26 regional development banks of 34 Indonesian provinces;
  • National Processing Switch in Kazakhstan selected WAY4 to connect all banks in the country;
  • Finnet, selected WAY4 to serve and connect over 60 financial institutions and 20 billing companies on WAY4 and achieved 150% annual transaction growth in 2014-2015;
  • Raiffeisenbank Int., Eastern Europe – a WAY4-based processing centre for 15 banks in different countries;
  • Halyk Bank of Kazakhstan – the innovator who launched the first Visa P2P Mobile Transfers in the world by using WAY4 Issuing, Acquiring, Switch and Omni-Channel solutions;

Live WAY4 installations operate to high-performance levels, for example issuing and authorising 200 million cards on a single platform and processing 15 million POS/ATM clearing transactions daily by a single acquirer.

WAY4 solutions are certified by Mastercard, Visa, AMEX, Diners Club, JCB, UPI and PCI SSC Council (PA-DSS compliant).

Known for our commitment to long-term relationships, OpenWay serves customers locally and provides global support. Today our team unites over 600 payment businesses, digital technologies and security professionals.