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WAY4 Cards & Accounts top-ranked card issuing and online account management platform

developed by OpenWay, the vendor with #1 global ranking in Card Issuing and Merchant Management by Gartner and Ovum, 2009-2016

WAY4 Cards & Accounts software solution is chosen by tier-1, mid-size and start-up banks, payment processors, telecom and fleet companies, transport and governmental agencies in EMEA, Asia and Americas. Among them are Nets, SIX Payment Services, Comdata, Nexus, Network International, Raiffeisen Bank International, Sberbank, ACB, Equity Bank of Kenya, Lukoil. Some of our clients manage over 140,000,000 debit and credit cards and serve over 40 banks on a single WAY4 platform, process 2,400 transactions per second, and offer services in 11 time zones on WAY4.

All-in-one & modular

WAY4 supports the full card and account lifecycle. Choose from card issuing, accounting, clearing & settlement, risk and dispute management, tokenization, business intelligence, and other modules in the same framework.


Debit, credit, prepaid, virtual, multi-currency cards and accounts, business and fleet cards, KYC, loyalty and coupons, level-3 data analytics, wallets, NFC and QR payments, ready APIs for open banking and PSD2 – you can run a variety of value-added services for your B2C and B2B clients.

Digital by nature

You can run fully online services: WAY4 is the only system that can consider any product and service parameters on-the-fly while taking decisions in milliseconds.


You can choose from over 80 pricing, risk and other rules – they can dynamically adapt to your customer’s behaviour.