WAY4 Wallet

Personalized omni-channel wallet to make your customers happy, and to on-board new customers.

Highest ranking among white-label software platforms.

All-in-ONe WALLET for banks, Processors & FINTECH start-ups

WAY4 Wallet supports multiple business models and their combinations. Anytime you can expand your offering and start attracting new customer segments. With our platform, you will orchestrate cards and accounts, classical and alternative payment methods, loyalty programs, service personalization settings, delivery channels and more. 

Let your customers enjoy m-commerce, e-commerce and in-store mobile payments, tokenization, mobile coupons and restaurant bill splitting. Make their checkouts convenient with QR, NFC, Apple Pay, Samsung Pay and Android Pay. Keep them engaged with chatbot banking, family wallet programs, geo-targeted offers and gamified PFM advice. Ask us about other business models - our list is big!


Rich functionality & DATA for your monetization

WAY4 comes with 65+ wallet services – scroll down and count yourself. How to position them along your marketing funnel to increase revenue streams? Let OpenWay consult you. We have insight from our wallet projects in various geographies and vertical markets.

WAY4 comes with rich APIs. It means full interoperability with payment schemes and various external systems. You can join the Open Banking ecosystem and obtain relevant consumer data from multiple partners. Data assets can be monetized - through targeted offers to your customer and through cross-industry collaborations.



{ГЛАВА НЕ КОРРЕКТИРОВАЛАСЬ ПОКА ЧТО}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.

Everything is possible with flexible WAY4 accounting, pricing, authentication and risk rules, omni-channel integration layer, various mobile applications, and much more. 


Superb UX

{ГЛАВА НЕ КОРРЕКТИРОВАЛАСЬ ПОКА ЧТО} 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.


How do you like these wallets? All powered by WAY4.


We got the highest ranking

Ovum Decision Matrix report analyzed key vendors in the mobile wallet space – those with high functionality, strong integration and configuration capabilities, major deployments in various geographies and significant market impact. OpenWay was recognized a "Market Leader". Ovum analysts conclude that “focus on innovation and flexibility will be critical to long-term success in the market.” 




  • 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 wallet
  • Merchant portal
  • Merchant APIs


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


  • Biometrics
  • Codes


  • Coupons
  • Bonus points
  • Discounts
  • Merchant clubs

Mobile marketplace

  • Ticketing
  • Accommodation booking
  • Financial, e-commerce


  • P2P, P2B
  • Donation
  • Money request
  • 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 Club, JCB, UnionPay
  • SEPA and PSD2 support (PISP, AISP, PIISP, 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)


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!