Change Your Processing Platform and Launch Payment Innovations for the Post-COVID Era

Table of contents

Way4: your choice for issuing and acquiring innovations

Addressing pandemic-related trends

• Issuing: digital cards with instant online delivery and activation
• Acquiring: omni-channel e-commerce payments with dynamic pricing

Payments with multiple currencies

• Issuing: multi-currency cards for payments and savings, with the overdraft option
• Acquiring: FX revenue from cross-border payments

Corporate cards 

• Issuing: multi-currency purchasing cards with real-time spending control
• Issuing + Acquiring = fleet cards with basket data analytics 

Customer-centric loans 

• Issuing: Consumer loans on POS
• Acquiring: merchant financing
• Issuing + Acquiring = loans in the form of corporate purchasing cards

Payment niches for socially responsible companies

• Issuing: cards with carbon footprint reporting and consumption advice
• Issuing + Acquiring = social cards

Digital wallet payments

• Issuing: cards with tokenization for major mobile wallets
• Acquiring: QR-code payments for SMEs, with instant settlement option
• Issuing + Acquiring = digital wallet ecosystem

Way4 as a cost-saving long-term choice

Issuers and acquirers referenced in this case study

• Halyk Bank, the largest acquirer in Central Asia

• Indó, Iceland's first-ever challenger bank

• Jysan Bank, a Central Asian issuer of multi-currency cards for payments and savings in 16 currencies

• MaaS Global, the leading Mobility as a Service provider and operator of Whim, all-inclusive mobility app

• Pleo, Danish fintech with 84% chance of becoming a billion-dollar business in the next three years according to GP Bullhound

• Rocker, a Swedish neobank building a mobile platform for personal finance: loans, payments and savings

• SmartPay, a mobile wallet ecosystem in Vietnam, connecting 1 ,000,000 consumers and 100,000 merchants