acquiring poster

WAY4 Merchant

Top-1 software platform for POS, e-commerce and mobile acquiring 

New revenue sources in acquiring? Possible!

WAY4 Merchant is a solution by OpenWay for building, transforming and optimization of the merchant acquiring business. It is designed to help acquirers: 

  • stay profitable running this capital intensive business;  
  • grow in customer base while the traditional payment processing has evolved into commodity and the competition for the customer from new entrants has increased tenfold;
  •  drive revenues while the whole industry has been recently disrupted by mobile commerce and new payment acceptance technologies.

DIVERSIFY your customer portfolio

With WAY4 Merchant you are able to distribute risks and balance your revenues by serving different types of customers: low and high margin; low / high risk; big retailers and SMEs; local stores and international chains. The WAY4 solution allows you to create targeted services for non-classical merchants such as marketplaces, PSPs, digital wallets and transport companies. 


Measure your profItability

  • Flexibility with pricing: The built-in flexiblility of the WAY4 platform allows your to be agile in your pricing. You can define fees and settlement cycles for different merchant differently: simplified fixed pricing for SMEs, diversified turnover and card type based pricing for retailers, or even special pricing for merchants in the event of achieved transaction volumes. You can segment your merchants by size and business categories, apply layered fees to the different merchant hierarchies - it's your game, your rules.       
  • Profitability of merchant accounts: WAY4 Merchant helps you set, correct and achieve your revenue goals by giving you tools to measure profitability of every individual merchant account. With our fee prediction and business intelligence solutions can make revenue forecasts and then analyse the results, thus using these data to modify your pricing strategy and strengthen your merchant portfolio.      

products: differentiate and innovate  

  • Processing +: WAY4 Merchants allows you to stand up the competition from new players by enriching your offering not only with complete suite of payment acceptance choices but also with tools which help merchant to grow and increase efficiency of their business. Digital wallets, loyalty, bonus clubs, tokenization on WAY4 will add value to your acquiring proposition.     
  • Be one-stop shop for merchant: Wide range payment and non-payment services can be run on WAY4, and the rich API library allows acquirers to connect with the specialised service providers that enhance the operation and customer experience such as digital identity and CRMs. This makes your an ideal payment partner for a merchant who prefers to have one relationship for all payment related needs across all channels and geographies.

Ensure Efficient & Streamlined opeRations

Merchant management A-Z: WAY4 Merchant supports complete merchant lifecycle operations: from online customer and product on-boarding, account opening, fees, commissions, events and counters through payments and transfers, fraud prevention and dispute assistance to merchant payments, accounting, clearing and settlement, analytics and reporting 

Digital operations: Web-based WAY4 Merchant Service Workbench is a single point of access to all available information about a merchant - payments, terminals, transactions, contracts. It means that your staff can manage merchant accounts remotely and on their mobile devices. On the merchant side, WAY4 provides a user-friendly merchant portal and merchant mobile app. 


Cards & Alternative Payment methods


Cross-industry opportunities


- Merchant loans

- Sales finance & Instalments

- Prepaid cards 



- 14% acquiring transactions in Europe are run on WAY4

- Proven tier-1 portfolios' migration strategy  

- Greenfield projects in 3 months  




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

New Customer Segments

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


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

merchant Relationship

  • User-friendly merchant portal
  • Flexible setup of payments schedule
  • Reporting & Statements


  • Magnetic
  • Chip EMV
  • Contactless
  • Biometrics

Global and Local

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


  • POS
  • mPOS
  • Smart POS
  • E-commerce
  • Kiosk
  • MO/TO
  • Agents

Merchant: A to Z

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


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


  • Business intelligence
  • Fee prediction
  • Interchange+

Value-added services

  • Tokenization
  • Loyalty & Bonus clubs
  • Contactless & QR: mVisa, Alipay
  • Digital wallet
  • DCC, MCP
  • Recurring / Account updater 
  • Instalments
  • Level-3 data


  • On-premise
  • Cloud