Solutions Modules Case Studies News Company Support Contact Us Login PSD2 | Wallet | Cards | Acquiring | Gateway | B2B Cards | Digital Banking WAY4 POS & e-Commerce Merchant Acquiring WAY4 CMS is the software solution for fast, flexible and powerful card and merchant management from the market leader. Business overview Use cases Features Platform & Performance Business overview Explore new business opportunities and new markets ahead of your competition at a fraction of their cost. Invent, build and manage products your way. WAY4 CMS. The smart product factory. Key Benefits Powerful issuing and acquiring Personalised channels accessible 24/7 online Customer-centric products and services Online application processing based on flexible workflow and integration facilities Support for tokens and digital wallets EMV card instant issuing Rule-based pricing & comprehensive accounting Integrated loyalty programmes & online customer behaviour analysis Real-time risk management & fraud prevention Multiple financial institution management for multi-branch banks and MSP/TPP SEPA-compliant WAY4 solutions operate at 130 banks, processing and telecommunication companies worldwide. Built on an open platform and fully scalable, the solution is suitable for compact systems with 100,000 payment cards right up to high-end platforms processing over 150,000,000 debit and credit cards with 20,000 branches in 11 time zones. Key Components Full Cycle Issuing & Acquiring Client and Contract Management Single Customer Profile Product Management Channel Management Pricing Accounting & Reporting Authorisation & Clearing Multiple Financial Institutions Data Preparation & Key Management EMV Card Personalisation Relationship Management Real-Time Risk Management Rule-Driven Workflows Scoring & Origination Application Processing Dispute Management Consumer Debt Collections, and other Cross-border Rule-Based Products Debit Cards Revolving Credit Cards Prepaid Cards Charge Cards Express Instalment Credit Revolving Credit + Instalment Credits Co-Branded Cards Virtual & E-money Loyalty & Gift Cards Credit + Loyalty Card Commercial Cards Healthcare All-Round Service Retail Cash Withdrawal & Acceptance Information Requests & Notifications Online Payments & Transfers Cash Payments & Transfers Currency Exchange Cash by Code 3-D E-Commerce Tokenization: HCE, ViDEP, MDES, MasterPass, Visa Checkout Online Instalment Origination Dynamic Currency Conversion Security Customer-Centric Services System of personalised customer communication via multiple customer-centric 24/7 online channels Targeted Promotion & Sales Account & Investment Management Personalised Payments & Transfers Relationship Payments Application Processing Customer Risk Profile Personalised Information Redemption Sales & Delivery Channels POS Management & Merchant Acquiring ATM Management Kiosk Management Web Banking Mobile Banking IVR Interface Branch Teller Integration Interfaces Authorisation & Clearing Interfaces Visa MasterCard AMEX Diners Club CUP Domestic Switch Host-to-Host Core Banking Systems Credit Bureaux Personalisation Bureaux Scoring and Debt Collection systems DWH, CRM and other systems Related links Downloads WAY4 CMS. Ingenious Product Tuning (3470 KB) WAY4 SEPA-Compliance (577 KB) WAY4 EMV In-Branch Instant Issuing (392 KB) Modules WAY4 Core WAY4 Issuing WAY4 Acquiring WAY4 Multiple Financial Institutions WAY4 Data Preparation and Card Personalisation WAY4 AMEX Interface WAY4 CUP Interface WAY4 Diners Club Interface WAY4 JCB Interface WAY4 MasterCard Interface WAY4 Visa Interface WAY4 POS Management WAY4 ATM Management WAY4 NDC/DDC Configuration Builder WAY4 Self-Service Kiosk Management WAY4 ATM/Kiosk Network Statistic Analyser WAY4 Mobile Banking WAY4 Web Banking WAY4 3-D Secure ACS WAY4 3-D Secure MPI WAY4 Bill Payment Interface WAY4 Consumer Collection WAY4 Core Banking Interface WAY4 Customer Profile Management WAY4 Host System Interface WAY4 Real-Time Risk Management See All WAY4 News Leading European processor migrates to WAY4 Icelandic credit card pioneer turns to OpenWay Oschadbank and OpenWay Certify payWave and PayPass Contactless Acquiring in Record Time Cardless Cash Money Transfers at ATM are Now Available in Moldova OpenWay Recognised as Global Market Leader in Card Management Software Solutions Acquirers on WAY4 Platform Now Can Serve Marketplaces Leading Processor in Bulgaria Starts Digital Transformation on WAY4 Gartner Reaffirms the Highest Possible Rating of OpenWay WAY4 Case Studies Banksys Handles Change with WAY4 Thailand’s Payment Solution: WAY4 Prepaid Co-Branded Cards Savings Bank of Russia Migrates to OpenWay’s WAY4 System Innovative Projects of AzeriCard – a Red Carpet Treatment Ukreximbank's processing on WAY4: 10 years of progress Speeding up Profit with Contactless Bank and Vendor: Dependency or Partnership? Equens Strengthens its SEPA Proposition with WAY4 Savings Bank of Russia Processes over 140,000,000 Cards Online on WAY4 WAY4 Digital Wallets: NFC and QR Implementations for M-Commerce Solutions See All Home | Solutions | Modules | Case Studies | News | Company | Support | Contact Us | © OpenWay Group, all rights reserved Main | WAY4 CMS | WAY4 Switch & Channel Banking | WAY4 Digital Wallet | WAY4 Behaviour Loyalty | WAY4 Commercial CMS | WAY4 Smart Card Perso | WAY4 PSD2 Hub & Instant Payments | WAY4 Dynamic Currency Conversion | WAY4 Acquiring | WAY4 Digital Lifestyle Banking | see more Main | WAY4 Digital Wallets: NFC and QR Implementations for M-Commerce | Savings Bank of Russia Processes over 140,000,000 Cards Online on WAY4 | Being the Core of the National Payment Ecosystem | Equens Strengthens its SEPA Proposition with WAY4 | Bank and Vendor: Dependency or Partnership? | Speeding up Profit with Contactless | Ukreximbank's processing on WAY4: 10 years of progress | Innovative Projects of AzeriCard – a Red Carpet Treatment | Savings Bank of Russia Migrates to OpenWay’s WAY4 System | Thailand’s Payment Solution: WAY4 Prepaid Co-Branded Cards | Banksys Handles Change with WAY4 | see more