WAY4 Wallet

Top-rated white-label all-in-one software platform
for omni-channel personalised wallet offering

Access new customers?

Are you a bank, a processing company and a start-up opening new opportunities with wallets? Are you looking for a wallet platform to access and engage your end-customers and merchants better than any competition?


Looking how to improve your marketing funnel, create new value for your end clients and merchants and inspire them at every interaction?


Looking for various business models? Want to create or orchestrate classical and disruptive payment and value-added services, payment instruments, delivery channels and APIs?


Interested to find a way to personalise your services better than your competition to create a unique wallet offer and deliver unforgettable customer experience?


Proven by tier-1 & start-ups

Tier-1 banks and payment processing companies use the WAY4 Wallet solutions all over the world for all-in-on financial inclusion wallets, cardless wallets, Apple Pay, Samsung Pay, Android Pay tokenisation solutions, mobile commerce and agent banking, mVisa QR payments, and other models.


got the highest ranking

OpenWay has been judged a Market Leader in digital wallets, according to the recent Ovum Decision Matrix report.


Unique for your needs

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Multiple business models

What are you looking for your markets and customer segments now and in the future? All-in-one wallet, in-store and omni-channel, e-commerce and in-app mobile payments, P2P, QR or NFC... Whether you are under the pressure of your competitor or inspired with a new idea - WAY4 Wallet will help you be one step ahead. It  enables you create any business models thanks to its flexible accounting, pricing, authentication and risk rules, an omni-channel integration layer, mobile applications and bots. Even if one day you need to start your issuing, acquiring, switching or e-commerce gateway, or would like to support instant payments - you can run this all on the same WAY4 platform.


360 Orchestration

Would you like to get full freedom in selecting any payment instruments and delivering any payment and value-added services 24/7? Would you like to become more profitable when connecting new partners within your wallet marketplace easily? WAY4 Wallet provides you with a full orchestration of cards and accounts, classical and alternative payment methods with support of QR, NFC and in-app, authentication methods, loyalty, personalisation services, PFM and other services online. It ensures full interoperability with payment schemes, with your partners and internal system via its rich API.



Do you think to personalise your service and  differentiate from other wallet solutions? WAY4 Wallet can record and utilise level-3 data in its database. It can see what kind of products and services the customer buys at any channel and it can analyse the context and details of the basket. As a result, you can provide truly personalised offers to your customers based on an individual payment history and customer preferences, and guarantee your merchants higher profit and better customer experience with your wallet.

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Superb UX

WAY4 Wallet is a unique platform allowing you to personalise your UX according to your customer segments. At OpenWay, we can also help you with our OpenWay Art Studio and create a unique and extremely convenient design thus your tech-savvy demanding clients are inspired and engaged.



  • Fast on-boarding by phone number, e-mail
  • Card validation
  • Biometrics
  • KYC online integration


  • Wallet account
  • Cards enrollment
  • Accounts enrollment
  • Issuing cards
  • Opening accounts
  • Deposit service
  • Credit line


  • In-store QR, NFC (POS, mPOS)
  • In-app merchant payments
  • Omni-channel QR
  • e-Commerce payments
  • Chat bot P2P & P2B payments

Payments & Transfers

  • Bills (online, schedule, recurring)
  • Bill presentment
  • Bill splitting
  • Cash-in
  • Mobile cash-out (QR, code)
  • In-store QR
  • P2P transfers QR
  • NFC (Apple Pay, Samsung Pay, Android Pay)
  • HCE (Host Card Emulation)
  • Wallet-to-bank transfers
  • Online transfers between cards and accounts
  • Tips
  • Closed-loop
  • Cross-border


  • Merchant app
  • Merchant portal
  • Merchant APIs


  • Personalised unique UX for end customers
  • Merchant UX
  • Web-based workbenches
  • Data marts


  • Biometrics
  • Codes


  • Coupons
  • Bonus points
  • Discounts
  • Merchant offers
  • Merchant clubs

Mobile marketplace

  • Ticketing
  • Accommodation booking
  • Financial, e-commerce


  • P2P, P2B
  • Donation
  • Moneyrequest
  • Phone top-up
  • Lucky money
  • 3rd party communing services


  • Integrated into UX
  • PFM


  • Personal data, segmentation
  • Payment history
  • Level-3 data

Payment schemes

  • MasterCard, Visa, AmEx, Diners, JCB, Union Pay
  • SEPA and PSD2 support (PISP, AISP, ASPSP)
  • AliPay and other alternative payment methods

Payment processing companies

  • Application management
  • Restricted access to the database


  • WAY4 is proven to support over 1450 t.p.s. and over 200,000,000 online accounts online while it is also efficient for small volumes

On earth and in the sky

  • In-house installation
  • Cloud installation (PaaS, SaaS)

Market is changing!

A wallet solution is an effective tool to access and engage new clients. There is no dominant design on the market - are you going to become this leader and generate more value for you and your customers? Request your demo right now to share your needs, get latest success stories and market analytics on the market, and discuss your winning solution together with our experienced team!