OpenWay Way4 vs Wallester White Label

OpenWay Way4 is a real-time payment processing platform for banks, processors, and fintechs offering products across card, account-to-account, and wallet rails. Its issuing functions include digital onboarding, instant issuing, card personalization, account and transaction management, authorization controls, clearing, settlement, disputes, and fraud prevention. Listed products range from credit, debit, prepaid, virtual, corporate, multi-currency, crypto-backed, fleet, and BNPL cards to e-money and tokens. OpenWay says 95% of Way4 is parameter-driven, so product terms and processing rules can be configured through business rules. Listed schemes and networks include Visa, Mastercard, American Express, Diners Club, UnionPay, JCB, SEPA, and domestic schemes. Wallet and NFC services include Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and Fitbit Pay. Deployment options are on-premise, cloud, dedicated SaaS, and hybrid. OpenWay lists PCI standards, PSD2, and ISO 27001 among its compliance standards, and states 24/7/365 operation, 99.99% availability, and performance of 5,500 transactions per second. Pricing is available on request. OpenWay says it began in 1995 and is headquartered in Belgium.

Wallester White-Label provides branded accounts, cards, and payments through a mobile app, back-office portal, API, and regulated infrastructure. Businesses can set up debit, prepaid, or credit card programs for consumer, business, or corporate use. The portal manages cards, users, balances, limits, spending rules, approval flows, and program activity. Accounts and cards support EUR, GBP, PLN, SEK, NOK, DKK, CZK, HUF, RON, and USD, with global payments. Its REST API connects card programs, controls, and payment workflows; the branded app supports Apple Pay and Google Pay using tokenized credentials. Programs can use Wallester’s issuer and scheme framework, with dedicated BIN setup available where needed. The platform includes KYC/KYB, AML, fraud monitoring, and payment processing. Wallester states that it is a Visa Principal Member, an Authorized Payment Institution licensed by Estonia’s Finantsinspektsioon, and PCI DSS Level 1 certified for payment data. The service is presented for the EEA and UK. Listed monthly prices are 2495.00 EUR, 3995.00 EUR, and 5995.00 EUR, depending on institution type.