Way4 Payment Hub

WAY4 Payment Hub is a top-rated payment software platform to grow transaction volumes steadily and compete on price and service.

For business

• 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 and3d 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 CIO

• Ensure interoperability via a wide range of protocols and the ability to create new ones quickly
• Connect internal systems, channels, payment schemes, and 3rd party service providers via rich API
• Set your rules for routing, fees, and fraud prevention that are adaptive to customer behaviour
• Create your own services using business rules and scripting
• Achieve high security standards and fraud prevention
• Be highly available to support millions of transactions per day

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 our customers’ achievements

• 34,000,000 transactions per day
• 2,400 transactions per second
• 1,400 various payment types on a single WAY4 installation
• 26 independent banks organised in a regional switch with clearing & settlement on WAY4

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 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
• Hybrid
• SaaS

WAY4 Payment Hub – a solution for banks, processors, national switches and PSPs, enabling them to:

• Carry out digital transformation projects where front and back office are online
• Run and plug in new services and payment methods every day
• Support large transaction volumes

What distinguishes our switch solution from those of our competitors? - WAY4 Payment Hub is a completely online system where business logic is handled entirely online.