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§ #1 global ranking
in Card Issuing
and Merchant Management
by Gartner and Ovum, 2009-
2016
§ Top global ranking
in Digital Wallets
by Ovum, 2016-17
Find more answers
at our website:
openwaygroup.com
our flagship product
WAY4. The Digital Payment Platform
We aim to provide startups and leaders of the
payment industry with payment software that helps
them embrace the challenges of the digital era.
The ongoing shift makes the payment industry complex, connected, and more
unpredictable more than ever. Physical services are becoming virtual, and we
expect them to be accessible and consumable in the fastest and simplest way.
The digital customer journey is influenced by alternative payment instruments and
data insight. Time to market is becoming shorter. Customers revoke their loyalty
and change service providers more often. New players are invading the market.
Local companies are expanding globally. Ecosystems are quickly created and
destroyed. Profit margins are decreasing catastrophically.
All this requires payment institutions to be unusually agile and open-minded. They
need to invest in solutions that ensure an uninterrupted and secure customer
experience, even when their transaction volumes grow exponentially. In platforms
that provide a diversity of digital payment products and services in a unified and
flexible way. In architectures that are open to inter-system and inter-channel
connections and fast on-boarding of innovations. WAY4 comes with all that
technology.

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our company
OpenWay. A Top Ranked Software Vendor
Leading payment institutions use WAY4 software solutions
for account management, digital wallets, card issuing, acquiring,
switching, e-commerce gateway, and omni-channel digital banking.
Our project geography covers Europe, Asia, Africa, the
Middle East and Americas. Our client portfolio includes banks
and processors, telcos, fleet companies, and governmental
agencies. Many of them migrated from legacy systems to
WAY4 as part of their digital transformation programs. Others
confronted the limitations of existing service providers and
brought payment technology in house. Some customers
wanted to go cross-border. Others launched a greenfield
business on WAY4 and became tier-1 companies.
Growing together with clients, OpenWay has also
transformed from a European start-up in 1998 into a global
leader. We were ranked 1st by Gartner and Ovum on top of
best digital payment software vendors. We are chosen by SIX
Payment Services, equensWorldline, Equity Bank of Kenya,
Raiffeisen Bank International, Nets, Savings Bank of Russia,
Comdata, Network International, Credorax, Borgun, AIS
Thailand, and others.

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”AzeriCard’s portfolio of card and mobile payments has been growing
rapidly, based on the solutions and international expertise of our partner
OpenWay. Launch of WAY4 Cash By Code was an important step
towards the multifunctional mobile wallet offer.”
Anar Sultanov, the Managing Director of AzeriCard
Download Ovum’s report
on Digital Wallet,
including insights
in global trends and challenges

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WAY4 supports various payments methods based on QR code
and NFC. Shown is a demo app that enables QR-code
payments in the online shopping experience
Scan to watch the video
on QR-code payment solution
now

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Business Models for Your Digital Wallet
Contactless in-store payments and couponing via QR, NFC, SMS USSD and in-app
payments. Local QR and NFC schemes, mVisa, Apple Pay, Samsung Pay, Google
Pay.
Loyalty monetization based on customer behavior, segmentation and tiers,
personalized loyalty, cross- and up-sales based on customer purchase analysis
Merchant loyalty clubs, targeted offers via wallet based on cross-merchant data
insight
P2P, P2M, P2G, B2B, and B2G transfers, bill splitting
E-Commerce wallet and tokenization, one-click payments
Game industry, tourist, transport/transit, marketplace and other wallets
Mobile tickets for sport events, art festivals, museums, expo and other venues
Omni-channel wallet for POS, e-commerce and m-commerce payments and
loyalty
Mobile check-in and check-out
Family wallet based on prepaid account schemes and gamification
Wallet and e-money for unbanked clients in the emerging markets
Wallets for remittances and digital banking, and many more…
All-in-One Flexible Solution
• Digital wallet software
platform, incl. back-office,
gateway, API and app
management
• White-label on-premise or
cloud implementation
• Comprehensive support
from the vendor: joint
business analysis, clear and
concise requirements,
customization, training –
before, during and after
launch
• Agile development and
delivery, on-site support
• New features introduced
one step ahead of the
competition
• Early bird innovation

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WAY4 Wallet Success Stories
• SmartPay is a new mobile wallet for
financial inclusion in Vietnam launched on
WAY4
• B1NK Digital Banking and Wallet attracted
50,000 new clients to a start-up bank in just
one year.
• QAZKOM is the first bank in Central Asia to
launch mVisa QR code payments for
micro-merchants and SMEs. It
complements their POS acquiring
leadership and 75% market share in e-
commerce acquiring, all powered by
WAY4.
• AzeriCard, the largest processor in
Azerbaijan, transformed mobile banking
into mobile wallet with the WAY4 Cash By
Code – the technology for instant money
transfers on mobile and cardless cash
withdrawals on ATMs. Later, this innovative
feature was added to 1300 ATMs and
boosted mobile customer enrolment. This
project was implemented by OpenWay
team in just 2 months.
• Already launched over 20 tokenization
projects for our clients, including the first
market launches of Apple Pay and
Samsung Pay in several countries.
Why WAY4 Wallet
• Multiple wallet models on the same platform
• Complete transaction lifecycle – from customer and product on-
boarding through authentication, online fees and commissions,
risk and dispute management, credentials management and
fraud prevention to online accounting, interfaces to payment
schemes, clearing & settlement, analytics and reporting
• Flexible and dynamic pricing – group and individual rules for
wallet ecosystem members
• All financial instruments: credit and prepaid cards, wallet
accounts, e-money, coupons, bonus points, alternative payment
methods
• Payments and transfers via QR (closed-loop, mVisa), NFC (OEM
Apple Pay, Samsung Pay, Google Pay), HCE, SMS, USSD, in-app
payments
• Omni-channel: mobile app, chat bot, PC, iWatch, POS, e-
Commerce, ATM, API
• Cards schemes (AmEx, Diners Club, JCB, Masterсard, Visa,
Unionpay) and alternative payment methods
• Online 24/7/365, high availability 99,995%
• Certified by PCI SSC (PA-DSS compliance)
• Level-3 data processing
• Product catalogue storage, purchase analysis
• Open/API banking, cross-border, multi-currency,
• Micropayments optimization (micro transaction aggregation)

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WAY4 Digital Wallet: card enrolment, virtual card generation, security, loyalty,
one-time PIN generation, geo-services, and more
Scan to watch
the WAY4 Wallet promo
video now
goo.gl/yPBxwf

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WAY4 ACQUIRING
“We put WAY4 at the center of our organization.
This enabled us to extend our current business lines
both domestically and cross-border.”
Presentation of a leading payment institution in Portugal
at OpenWay Club forum
Download Ovum’s report
on CMS

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Expanding Your Acquiring Business?
Omni-channel merchant management
for POS, e-commerce and mobile acquiring
Wallet & e-money acquiring
Loyalty programs: merchant and co-branded
Micropayments with transaction aggregation services to merchant costs
Payment service providers, merchant payment aggregators, payment
facilitators, marketplaces
MCP (multi-currency pricing), DCC (dynamic currency conversion)
Hierarchical mobile agent top-up schemes for telecoms
Corporate card acquiring
Fleet card acquiring
Transport/transit payments acquiring
Merchant loans, order splitting for multiple shipments, tokenization, merchant
currency, closed-loop prepaid and other value-added services
All-in-One Flexible Solution
• Omni-channel acquiring software platform
• White-label on-premise or cloud implementation
• Comprehensive support from the vendor: joint business analysis, clear and
concise requirements, customization, training – before, during and after
launch, on-site support
• New features introduced one step ahead of the competition

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WAY4 Acquiring Success Stories
• Credorax migrated from FirstData’s
OmniPay to WAY4 and become a leader in
e-commerce acquiring. Now they accept
payments in 188 countries and report a
CAGR of over 50%.
• equensWorldline, a pan-European payment
giant, has grown from 0,1 to 15 million
transactions per day. This pan-European
acquirer serves over half a million merchants
in 3 countries through its WAY4 platform.
• KTB, a leading bank in Thailand, has
migrated 20,000 merchants and 55,000 POS
terminals to WAY4 in six months — the fastest
digital transition in banking known in APAC.
• Fleet card processors of over 8,000 gas
stations use WAY4 to control and
encourage customer spending at gas
stations. They can now accept international
and local payment cards, fleet cards, co-
branded cards and digital wallets.
• areeba, a pioneer in e-payments in the
MENA region, chose WAY4 to implement
contactless POS acquiring for 5,000
merchants including McDonalds, Nike, Vero
Moda and ALDO.
Why WAY4 Acquiring
• Variety of services for merchants: P2P and P2M payments and
transfers, FX exchange, partial shipment processing, merchant
loans, loyalty, merchant cards and currencies.
• Acceptance of any financial instruments: B2C and B2B cards,
accounts, wallets, e-money, contactless/tokens
• Omni channel: POS, mPOS, EPOS, e-commerce, contactless,
chat bot, mobile in-app payments, API channels
• Tokenization and m-commerce: QR, NFC (OEM Apple Pay,
Samsung Pay, Google Pay), HCE, Visa Checkout, MasterPass
• Flexible online back-office for a complete transaction lifecycle:
from online customer and product onboarding, account
opening, fees, commissions, events and counters through
payments and transfers, fraud prevention and dispute assistance
to merchant payments, accounting, clearing and settlement,
analytics and reporting
• Multi-level merchant hierarchies, risk management, pricing,
reporting; corporate schemes and level-3 data processing and
taxes calculation
• Certified by Amex, Diners Club, JCB, Mastercard, Visa, Unionpay
and PCI DSS (PA-DSS compliance)
• Acquiring loyalty programs and merchant bonus clubs based on
online and offline transaction data and customer profile
• Cross-border, multi-currency, multi-bank schemes
• Open Banking support with rich API

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Finnet reported 150% revenue growth and 34% transaction volume
growth. “We chose WAY4 for its flexibility,
modularity, and cost-efficiency.”
Erman Suherman, Operation, IT & Innovation Director, Finnet

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Expanding Your Payment Business?
E-commerce, POS, omni-channel switch, gateway and acquiring
Omni-channel digital banking
National switching and payment schemes
Universal payment hub
IPS switch
3-D Secure Gateway
Dynamic Currency Conversion system
Value-added services (prepaid, loyalty, wallets, etc.)
Non-card alternative payment methods
Open banking hub
Instant Payments scheme
All-in-one digital payments and banking platform
All-in-One Flexible Solution
• Omni-channel transaction switching and payment gateway software platform
• White-label on-premise or cloud implementation
• Comprehensive support from the vendor: joint business analysis, clear and concise
requirements, customization, training – before, during and after launch,
on-site support
• New features introduced one step ahead of the competition
• Early bird innovation

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In the era of mobile commerce growth, it’s crucial to support omni-channel customer
experience and ensure 365/24/7 availability. Support of the card and non-card alternative
payment methods is a must.

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WAY4 Switch Success Stories
• Finnet, the core of Indonesian payment ecosystem,
serves and connects 60 banks and 20 billing companies
using WAY4. After 150% revenue growth and 34% growth
in transaction flow, Finnet decided to migrate 2 more
switches to the WAY4 platform.
• Borica, a major processor in Bulgaria, launched a digital
transformation project on WAY4 to upgrade the card
business of over 30 banks in the region
• Bank Rakyat Indonesia, the largest microfinance
institution in the world, expanded its ATM network
on WAY4 from 3,000 to 18,000 terminals.
• National Bank of Bangladesh interconnects 49 regional
banks on WAY4
• 20+ white-label 3-D Secure e-commerce gateway
projects have been launched for our clients in various
regions.
Why WAY4 Switch & E-Commerce Gateway
• Significant cost reduction thanks to unprecedented
platform configurability
• Fast implementation, new payment method
addition in 1-3 weeks and shorter time-to-market
• Omni-channel services: POS, mPOS, EPOS, ATM,
e-commerce, contactless and mobile in-app
payments, chat bot, host-to-host
• Acceptance of cards and alternative payment
methods
• Groovy-based scripts to support international,
regional, and local protocols
• Flexible transaction scenarios based on price, risk,
geography and other parameters
• 3-D Secure 2.1 MPI
• Tokenization and m-commerce: QR, NFC (OEM
Apple Pay, Samsung Pay, Google Pay), HCE, Visa
Checkout, MasterPass, Alipay
• Certified by Amex, Diners Club, JCB, Mastercard,
Visa, Unionpay, national payment schemes and PCI
SSC (PA-DSS compliance)
• Cross-border, multi-currency, multi-bank schemes
• API, ISO 20022, ISO 8385, SEPA, SPDH, NDC+, Rest API
• In-memory grid for tokenization

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“SIX and OpenWay are leveraging their work together to design and implement a future-
proof solution to enable SIX bank customers to select their own strategy in payments “
SIX Payment Services presentation at OpenWay Club forum
“The new system not only gives Equity Bank a strong competitive advantage in cutting edge
technology and card management, but allows speedy and efficient transaction process in
real time, and in all currencies.”
James Mwangi, CEO of Equity Bank of Kenya

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Business models for Your Issuing Needs
Prepaid, e-money and gift payment instruments, with cards and accounts
shareable among family or friends
Revolving and charge credit cards with limits and fees that depend on
customer transaction activity
Virtual and one-time cards for mobile and e-commerce
Monetization of cardholder loyalty – personalized targeted cross-sales and
up-sales
Instalments generated automatically or selected at POS, e-commerce,
mobile channels
Customer-initiated transaction conversion into instalments
Microfinance and micropayments, payday loans
Remittances that are card-, account- and wallet-based
Multi-currency cards and accounts
Online, automated and scheduled payments and transfers from cards and
accounts
Corporate and fleet card issuing
Value-added services based on currency conversion, personal finance
assistant, data insight
API monetization
All-in-One Flexible Solution
• All-in-one card issuing and account
management platform
• White-label on-premise or cloud
implementation
• Comprehensive support from the
vendor: joint business analysis, clear
and concise requirements,
customization, training – before,
during and after launch, on-site
support
• New features introduced one step
ahead of the competition
• Early bird innovation

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Mobile Instalments on WAY4: look how it works from the customer’s perspective
Scan to watch the video on
instant instalments in mobile
now
goo.gl/VCu9Ko
Sdasdsd

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WAY4 Issuing Success Stories
• Equity Bank of Kenya runs its issuing and acquiring
business on WAY4 for over 10,000,000 clients.
• The largest retail bank in Eastern Europe uses WAY4 issuing
and acquiring back-office and authorization switch for
200,000,000 credit and debit cards and 3,200 t.p.s.
• SIX Payment Services, pan-European processing leader,
migrated 38 banks to WAY4 in just 15 months.
• Nets, top payment player in Nordics, serves issuing banks
in three countries, with a client portfolio of 1,000,000 cards
on WAY4.
• Tsesnabank migrated to WAY4 from BPC’s SmartVista with
goal to free staff “from routine procedures and have the
time and ability to develop business.” Migration was done
in the record time of only 4 months.
• Leading fleet card companies use WAY4 for online fleet
card, loyalty and level-3 data processing of 27,000,000
fuel and loyalty cards.
• Network International, a top Middle Eastern processor,
uses WAY4 to offer issuing, acquiring and switching
services to 30 banks in MEA region.
Why WAY4 Issuing
• Any type of cards and accounts: revolving,
instalment, charge, debit, prepaid, corporate,
virtual, gift, fleet, microloans, e-money
• Tokenization and m-commerce: QR, NFC (OEM
Apple Pay, Samsung Pay, Google Pay), HCE, Visa
Checkout, MasterPass
• Instant issuing of plastic and virtual cards and
secure paperless PIN delivery
• Flexible online back-office and authentication for
complete transaction lifecycle – from online
customer and product onboarding, account
opening, fees, commissions, events, counters and
card personalization through authentication,
payment/transfers, fraud prevention and dispute
assistance to accounting, clearing and settlement,
analytics and reporting
• Certified by Amex, Diners Club, JCB, Mastercard,
Visa, Unionpay and PCI SSC (PA-DSS compliance)
• Issuing loyalty programs based on transaction
data and customer profile
• Cross-border, multi-currency, multi-bank schemes
• Open Banking with rich API

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1st digital-only bank B1NK in Central Asia
attracted 100,000 new mobile clients in 12 months on WAY4.
"We want to be as simple as jeans and a smartphone."
Gani Uzbekov, CEO, B1NK

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Looking for Digital Banking Transformation?
Omni-channel digital banking
Branchless and agent digital banking
Social network banking
Personalized customer service beyond tiers and segmentation
Mobile interfaces, channels and scenarios native for the new generation
Digital customer journey: includes online customer onboarding, online
account opening and card generation, online loyalty and coupons, online
payments and transfers, personal finance assistance, and more
Personalized offers and interactive banners based on data insight and
customer profiling
Automated configurable workflows
Instant B2B and B2C payments and transfers
All-in-One Flexible Solution
• Omni-channel lifestyle banking software platform
• White-label on-premise or cloud implementation
• Comprehensive support from the vendor: joint business analysis, clear and
concise requirements, customization, training – before, during and after
launch
• Agile development and delivery, on-site support
• New features introduced to stay one step ahead of the competition

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Looking for a digital transformation? Stay one step ahead of your competition with the new
generation lifestyle banking
Scan to watch the video of
WAY4 Lifestyle Banking
solution now
goo.gl/v1A8oo

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Over 75% of internet users worldwide use messaging services on mobile devices.
Banks can use WAY4 Messenger Banking to create a chat bot for Facebook, Telegram, WeChat, Viber and Line,
and link it with any core banking and card processing system on the back-end.
The chat bot autonomously communicates with users and provides them information about bank services.
It can also manage customer cards and accounts, adjust security settings and make payments to friends and contacts.

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WAY4 Success Stories
• B1NK, the first digital bank in Central Asia, built
its business on WAY4 in just 9 months and
attracted 50,000 new clients during the first
year. Several months later, the bank and
OpenWay pleased the tech-savvy users with
the region’s first bank bot.
• AK Bars, a top 20 bank in Russia, runs its digital
projects on WAY4. The bank launched the
country’s first contactless wallet for an
international, multi-sport competitive event. The
guests used Watch2Pay – a wristwatch with
linked renewable prepaid Mastercard cards –
to tap and pay at thousands of local
restaurants, gas stations and boutiques.
Why WAY4 Digital Lifestyle Banking
• Omni-channel: mobile, PC, chat bot, iWatch, API, agent
banking
• Variety of services: payments and transfers, loyalty,
customer profile, utility services, bill presentment, online
deposit opening, informational services, sales and cross-
sales, personalized interactive banners, bill splitting, online
card issuance, online applications, management of limits,
currency exchange, personal targets, geo-services,
gamification, etc.
• Numerous payment instruments (accounts, cards, e-money
and wallet accounts) and payment interfaces (in-app, QR,
NFC, SMS, API)
• Multiple e-wallet features: enrolment of cards and
accounts of other banks, tokenization and contactless
payments
• Automated rule-driven workflows: application processing,
risk management, disputes, customer segmentation
• Various methods of customer authentication and payment
confirmation
• Personal finance assistant, transaction and customer
analysis for proactive personalized service
• Simple, convenient and configurable UI and scenarios
• Online integration with any core banking, CMS and other
systems
• 24/7/365 availability and high performance

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Create new revenue streams
1. Monetise your customer base with open banking APIs, account access, more
payments and value-added services
2. Quickly adapt your IT infrastructure to instant payments at minimum time & cost
3. Generate revenue on your own payment methods
4. Increase revenue streams with more payment and loyalty options
5. Become the preferred partner and intermediator for banks, PSPs,
consumer finance and insurance companies, merchants
and other payment players, and jointly promote online offers
6. Flexible rules for partners (pricing, risk, etc.)
7. Improve customer journey and increase profitability
with personalized financial and shopping assistance
8. Attract successful startups and other partner with API’s,
flexible pricing and high volumes capabilities
Be complete
• Unified platform for PSD2 hub, instant payments, e-commerce gateway,
ATM/POS switch, wallets, CMS and digital banking
• Online B2C and B2B services
• Account data aggregation, customer profiling
• PSD2 API directory service and ASPSP API support
• Payment gateway (PISP)
• Reconciliation: credit transfer and direct debit payment flows; SEPA
• Merchant portal and API

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WAY4 PSD2 Hub architecture

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Be ready
• 1-second response for instant payments
• PSD2 hub to play the roles of PISP, AISP, and ASPSP
• Parallel request processing
• Banking APIs
Be secure
• Online transaction risk analysis and RBA
• SCA (strong customer authentication)
with mobile-driven authentication SDK
• Merchant TRA-driven tokens
• PA-DSS compliance
Be open
• True 24/7 payment availability
• Development portal
• Analytics
Be on time
• White-label on-premise implementation
• Comprehensive support from the vendor: joint
business analysis, clear and concise
requirements, customization, training – before,
during and after launch
• Agile development and delivery, on-site
support
• Feature growth one step ahead of the
competition
• Early bird innovation
Be friendly
• Improve customer journey and increase profit
with personalized financial and shopping
assistance
• Seamless customer payment experience
• Help your customer select the most beneficial
payment method
Be the leader
Decide and implement open banking now
with WAY4 PSD2 Hub.

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