Way4 Payment Switch Software
Omni-channel payment hub, ATM/POS transaction switching, e-commerce gateway, interfaces to payment schemes, and more - on a unified software platform
Omni-Channel Transaction Switching
Is your payments technology fit for the future? Today people shop globally, send money instantly abroad, and choose their payment method based on location, services, pricing or just personal preferences.
Way4 Payment Switch software is the foundation you need to increase transaction volumes and be competitive with prices and services.
For CEOs
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 and third-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
For CIOs
Ensure interoperability via a wide range of protocols and the ability to create new ones quickly
Connect internal systems, channels, payment schemes, and third-party service providers via rich API
Set your rules for routing, fees, and fraud prevention that are adaptive to customer behaviors
Create your own services using business rules and scripting
Achieve high standards for security and fraud prevention
Be highly available and support millions of transactions per day
Tier-1 Payment Players and Startups Unite on Way4
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 of our customers’ achievements:
34,000,000 transactions per day
4,300 transactions per second
1,400 different payment types on a single WAY4 installation
26 independent banks organized in a regional switch with clearing and settlement on Way4
Easy to Launch a New Payment Business
Some of our traditional acquiring customers quickly established e-commerce gateways and launched digital wallets on Way4. Others decided to diversify with cross-border and classic POS acquiring solutions.
We Understand Your Challenges
Complex projects
National and cross-border switches
Comprehensive support from OpenWay: joint business analysis, customization, training
Smart innovations
Balance between innovations development and cost-efficiency
PSD2 Hub, Messenger banking, Instant schemes, 3-D Secure 2.0, Biometrics
Experience of migrations
Established connections to the most widespread payment systems (CMS, RBS, CRM, terminals protocols)
Successful projects globally with support of local interfaces
National switch project completed in one year
Migration methodology ready: from mainframes and open legacy systems to Way4
Way4 Payment Switch at a Glance
Multiple business models
Universal payment hub
Wallet payment hub
POS / ATM / Kiosk switch
E-commerce gateway
M-commerce payment gateway
Interbank national / regional switch
Omni-channel
POS
mPOS
Smart POS
ATM
E-commerce
In-app
Chat bot
Host-to-host
USSD
SMS
Smart routing
Flexible pricing
Tariff-based and event-driven routing
Rule-based customer scenarios
Level-3 data analysis
User defined parameters, etc.
Value-added services
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 code payments: closed-loop, mVisa, MasterPass QR, UnionPay QR
Dynamic currency conversion (DCC)
Recurring, MOTO
Payment schemes
Mastercard
Visa
Diners Club
UnionPay
American Express
JCB
Alipay
Easy management
Customization toolkit
Flexible integration
User-friendly administration console
Connections
ISO 8583
ISO 20022
SEPA
SPDH
NDC+
API, Rest API
Reliability
Online 24/7/365
2,400 transactions per second in live implementation
High availability
Scalability: S to XXL
Online risk monitoring
PA-DSS
Global and local
Multiple currencies
Multiple countries, time zones
Multiple languages
Closed-loop schemes
Domestic schemes
Cross-border schemes
Delivery models
On-premise
Cloud