HubDB global content: companies

OpenWay is the only best-in-class provider of digital payment software solutions, and the best cloud payment systems provider as rated by Aite and PayTech. OpenWay is a strategic partner of tier 1/2 banks and processors, fintech startups, and other leading payment players around the globe. Among them are Network Int. and Equity Bank Group in MENA, Lotte and JACCS in Asia, Nexi and Finaro in Europe, Comdata and Banesco in Americas, and Ampol in Australia.

OpenWay is the only best-in-class provider of digital payment software solutions, and the best cloud payment systems provider as rated by Gartner, Omdia, Aite, and PayTech. Its Way4 platform is selected by Tier 1 and 2 banks and processors, as well as ambitious fintech startups. Among them are Finaro, Nexi, Payoneer, Worldline, and other leading payment players across the globe. Way4 innovations support card issuing, A2A payments, e-commerce and POS acquiring, digital wallets and payment switching.

OpenWay Group is an international provider of innovative software for electronic payment systems, rated #1 by Gartner, Aite and Omdia. Our Way4 platform covers every aspect of the payments business — account management, card issuing, merchant acquiring, transaction switching, digital wallets, tokenization, and fleet cards.

Among our clients are established banks and fintechs, acquirers and PSPs, payment switching and processing companies – such as Nexi, Worldline, Mastercard Processing Services, Network International and Equity Group, Finaro, Enfuce, and many more.

Leading pan-regional processors and ambitious fintech companies are using OpenWay’s Way4 digital payment platform to run Card-as-a-Service programs for challenger banks, neobanks, EMIs, retailers, and fintech startups.

On Way4, issuers can launch any type of card: credit, debit, corporate, fleet, instalment, prepaid, virtual, loyalty, gift. Our clients can target various customer segments with their Card-as-a-Service offering.

OpenWay is a top-ranked digital payment software vendor and developer of Way4, a digital banking and payment software platform. It covers every aspect of the payments business — account management, card issuing, merchant acquiring, transaction switching, digital wallets, tokenization, and fleet cards.

Way4 software solutions are used globally by banks, fintechs, payment processing companies, e-commerce and POS acquirers, national payment schemes, PSPs, oil and telecommunication companies, including both tier-1 organizations and startups.

Way4 is a digital payment software platform for card issuing, account management, and merchant acquiring management, and digital wallets. The platform architecture is designed for open banking and real-time payments. It is based on an open framework with flexible, separated granular modules. Way4 comes with a rich set of APIs that allows financial institutions to easily integrate their payment functionality into  third-party systems.

OpenWay began in 1995 as a startup, and since then, it has grown into a global leader in digital payments software. Its Way4 solutions cover the end-to-end payment spectrum: issuing of all kinds of cards, end-to-end channel acquiring, payment switching, and digital wallets. Over the years, OpenWay has been ranked as #1 in CMS and digital wallet software. It jointly won the PayTech Award 2019 for Payment Systems in the Cloud with its partner Enfuce, an innovative cloud payments processor in the Nordics.

OpenWay is the only best-in-class provider of digital payment software solutions for card issuing, digital wallets, merchant acquiring, BNPL, transaction switching, tokenization, and fleet payments, and the best cloud payment systems provider as rated by Aite, PayTech and Juniper Research. Top-tier banks and processors, as well as ambitious fintech startups, have chosen OpenWay as their strategic partner. With its unique capabilities in rich functionality, fast-to-market, high availability and better ROI, the Way4 software platform guarantees an unparalleled customer payment experience.

OpenWay is the only best-in-class provider of digital payment software solutions for card issuing, digital wallets, merchant acquiring, BNPL, transaction switching, tokenization, and fleet payments, and the best cloud payment systems provider as rated by Aite and PayTech. Top-tier banks and processors, as well as ambitious fintech startups, have chosen OpenWay as their strategic partner. Notable among them are Nexi, Enfuce, Shift4 and NBG in Europe; Network International and Equity Bank Group in MEA; Lotte and JACCS in Asia; Comdata, BeePay and Banesco in the Americas; Ampol in Australia, and other leading payment players worldwide.

With its unique capabilities in card issuing, BNPL, merchant acquiring, transaction switching, digital wallets, and fleet payments, the Way4 software platform guarantees an unparalleled customer payment experience. Distinguished by its unique architecture, which unifies back- and front-office operations, enables online accounting, and ensures high availability, Way4 stands out as the only truly online payment platform for Tier 1 players. Our experienced and globally renowned team of experts, coupled with Way4’s exceptional flexibility and scalability, enables rapid innovations and propels our clients to industry leadership.

Enfuce runs issuing of credit, prepaid, fleet, multi-currency, and commercial cards on the Way4 platform installed in Amazon Web Services. Recently, OpenWay and Enfuce have jointly received a PayTech award as the “Best Solution Provider for Payment Systems in the Cloud”.

Enfuce, a Finnish payment service provider founded in 2016, offers payment, open banking and sustainability services to banks, fintechs, financial operators, and merchants around the world. One of the reasons behind their rapid growth from startup to global provider of cloud-based payment services, is successful partnerships like with Amazon Web Services (AWS) and OpenWay, a global vendor of digital payment solutions.

By running OpenWay’s Way4 payments software platform in the cloud, they provide their clients with a broad range of integrated card schemes and practically every card product available on the market, whether they are pre-paid, debit, credit, or instalments.

In 2019 Enfuce and OpenWay jointly won a PayTech Award as the “Best Payments Solution for Payment Systems in the Cloud” and in 2021 Enfuce became a pioneer in shaping a Card-as-a-Sevice offering for its clients.

JACCS (Japan Consumer Credit Service) established in June 29, 1954 Hakodate, Japan. JACCS main business activities are Credit Business, Credit Card and Payment Business, Financing Business, Overseas Business.

In Overseas Business, JACCS entered into Vietnam in June 2010 as JACCS International Vietnam Finance Company Limited (JIVF), a corporation duly organized and existing under the laws of Vietnam, having its principal office at 15th Floor, Centec Tower, 72-74 Nguyen Thi Minh Khai, Vo Thi Sau Ward, District 3, Ho Chi Minh City, Vietnam. JIVF drew on its position as a Japanese-owned company to bolster its member store network, centered on the dealers of Japanese motorcycle makers. JIVF has broadened its operations to encompass finance for automobiles and appliances and credit cards, card loans, and other consumer loans, contributing to Vietnam's economic progress. JIVF aims at providing customer credit for installment sales with trustworthy services and a network of member store with the goal is to provide to customers in a quick, inexpensive and polite way.

Finaro (now part of Shift4) is an innovative award-winning European merchant acquiring bank serving global e-commerce merchants and PSPs. Finaro uses Way4 Acquiring to automate its merchant back office and connect to the international payment schemes.

Truevo is an innovative acquirer targeting SMEs in Europe and consuming OpenWay's solutions for merchant management and payment processing via SaaS.

Equity Bank Kenya is the largest bank in Kenya, it is a subsidiary of Equity Group Holdings Plc with a footprint of 337 branches, spread across the country, and is supported by over 56,772 agents, 32,269 merchants, and 697 ATMs. Equity Group Holdings Plc is a financial services holding company listed at the Nairobi Securities Exchange, Uganda Securities Exchange, and Rwanda Stock Exchange. In addition to Equity Bank Kenya, the Group has banking subsidiaries in, Rwanda, Uganda, South Sudan, Tanzania, DRC, and a Commercial Representative Office in Ethiopia; with additional non-banking subsidiaries engaged in the provision of investment banking, custodial, insurance agency, philanthropy, consulting, and infrastructure services.

The Pan-African bank group has migrated to Way4 and has become the world’s first ATM acquirer of M-PESA e-money, and later – the recognized wallet hub for different e-money brands across East Africa.

Aite-Novarica is an advisory firm providing mission-critical insights on technology, regulations, strategy, and operations to banks and other companies. In 2021, Aite-Novarica named OpenWay the "best-in-class payment processing platform" in its Aite matrix.

Benzina ORLEN is part of the ORLEN Unipetrol Group, a member of the international ORLEN Group. It operates the largest network of filling stations in the Czech Republic. Besides EFECTA fuels with a purifying effect, Benzina ORLEN also offers premium VERVA fuels and a broad portfolio of refreshments within its STOP CAFE concept. Benzina ORLEN issues EASY and BUSINESS fuel cards and offers two mobile apps for its customers: the Benzina loyalty app and a carwash app, Mycí digi linka. In the Czech Republic, Benzina ORLEN operates 421 stations and has a market share of 25.4%. The fact that it is highly popular with consumers is apparent from the fifth annual award as the Most Trustworthy Brand in the Czech Republic. It entered the Slovak market in 2019. Benzina ORLEN’s Slovak network currently comprises 20 stations and is one of the fastest-growing chains on the local market.

National Bank of Greece was established in 1841 and was the first bank to be set up in the Modern Greek State, going on to play a key role in the economy of Greece throughout its 176-year history. Today NBG heads one of the largest financial groups in Greece, playing a key role in the efforts to support the Greek economy and the economic and social transformation of the country.

NBG offers a wide range of financial products and services that meet the ever-evolving needs of private and business customers.

Mirae Asset Finance Vietnam is proud to be a member of the global finance company from Korea, Mirae Asset, with 20 years’ experience in finance, securities, investment and asset management, and being present in 15 countries, with 200 offices and branches worldwide.

Showing appearance in Vietnam since 2006 and officially commencing from 2011, the company has built with the vision to pursue the optimal investment management strategy, and in order to always be with customer in their long-term strategy. Besides, with the goals of optimizing opportunities for customers to access the effective, legal and safe capital, Mirae Asset Vietnam has made lots of efforts to improve the consumer finance products.

LOTTE Finance, headquartered in Hanoi with two other offices in Hanoi and Ho Chi Minh City, is a subsidiary of LOTTE Card (Republic of Korea) — one of South Korea’s top providers of credit finance services that combines services with fintech.

2017 marked the expansion of LOTTE Group investment and break into the finance sector in Vietnam when LOTTE Card signed a stock purchase agreement acquiring a 100% stake from the subsidiary from one of Vietnam's major banks. The company’s business license under the name of LOTTE Finance Vietnam Co., ltd (LOTTE Finance) was approved by State Bank of Vietnam in September 2018, listing LOTTE Card as the first South Korean credit card company licensed to operate in Vietnam.

LOTTE Finance offers full-fledged financial services in Vietnam based on South Korea’s advanced financial services and credit management technology, fintech and big data. The company's ultimate goal is to become the leading financial services company in Vietnam, developing lifestyle financial services that help to maximize the values for our customers and optimize the consumer-friendly infrastructure of LOTTE.

The company now has more than 16 service introduction points (SIPs) in 14 cities and provinces with nearly 800 staff members in its three offices. LOTTE Finance’s main services include cash loan, durable loan and credit card, and most recently, the PayLater service.

Sathapana Bank is a leading commercial bank in Cambodia with total assets of over US$ 2.7 billion and over 4,400 employees. It has an extensive branch network nationwide with more than 170 branches, 3 Sathapana Premier Banking halls, and over 300 ATMs. It provides complete banking services such as loans, deposits, mobile banking, Mastercard debit & credit cards, domestic and foreign remittances, S2Biz, payroll services, cross-border fund transfers with SWIFT, Thunes and Visa B2B Connect, Western Union, trade finance, and other financial services.

To support the growth of micro, small and medium businesses in Cambodia, Sathapana Bank also offers a wide range of payment acceptance solutions such as the Sathapana Tutort merchant app, Sathapana Gateway, Sathapana POS and more.

Sathapana Bank won two prestigious awards, “Best Mobile Banking App Awards 2022” and “Mobile Banking & Payment Initiative of the Year” from the UK-based Global Brands Magazine and Asian Banking & Finance Retail Banking Awards for its newly revamped mobile banking app, Sathapana Mobile. With Sathapana Rewards, customers can collect and redeem Sathapana Stars to enjoy discounts and more from their favorite merchants, making using Sathapana Mobile every day a rewarding experience.