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Head-to-head · Card Issuing Platforms

OpenWay Way4 vs Marqeta

  • Updated Oct 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score OpenWay Way4 #1 in Card Issuing Platforms 9.4/10 Pricing on request ✓ 6 of 6 features Visit OpenWay
Marqeta #4 in Card Issuing Platforms 8.9/10 Pricing on request ✓ 6 of 6 features Visit Marqeta

OpenWay Way4 leads on 0 checks, Marqeta on 0, and 6 are even. Who comes out ahead on the 6 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreOpenWay Way4 · 9.4/10

OpenWay Way4 scores higher on our rubric for card issuing platforms: 9.4 against 8.9 out of 10; our editors rank them #1 and #4.

On card program support, Marqeta gives you Enterprise where OpenWay Way4 offers Multi.

OpenWay Way4 is the better fit for banks needing broad deployment options. Marqeta is the better fit for API-first enterprise card programs.

  • OpenWay Way4 fits best

    Banks needing broad deployment options

  • Marqeta fits best

    API-first enterprise card programs

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Side by side

Feature OpenWay Way4 9.4/10 Visit ↗ Marqeta 8.9/10 Visit ↗
At a glance
Editor score 9.4 8.9
Ranking #1 in Card Issuing Platforms #4 in Card Issuing Platforms
Best for Banks needing broad deployment options API-first enterprise card programs
Pricing model Paid Paid
Starting price Pricing on request Pricing on request
Free plan Not checked yet Not checked yet
Free trial — —
Deployment Cloud, Self-hosted Cloud
Platforms Web Web
Support Email, Docs · 24/7 Community, Docs · 24/7
Compliance SOC 2, ISO 27001, GDPR, PCI DSS, 2FA SOC 2, ISO 27001, GDPR, PCI DSS
Integrations 13 integrations 5 integrations
Built for Mid-market, Enterprise Mid-market, Enterprise
Features OpenWay Way4 6/6 · Marqeta 6/6
Virtual cards ✓ ✓
Physical cards ✓ ✓
Issuing API ✓ ✓
Spend controls ✓ ✓
Funding and balances ✓ ✓
KYC/KYB tools ✓ ✓
Specs
Card program support Multi Enterprise
Our review
Pros
  • Supports credit, debit, prepaid, virtual, corporate, fleet, and multi-currency cards
  • Combines issuing, authorization, KYC/AML, settlement, reconciliation, and fraud monitoring
  • Offers SaaS, cloud, on-premises, hybrid, web, API, and self-hosted deployment options
  • Physical and virtual card issuance with lifecycle operations
  • Real-time authorization, funding, and configurable spend controls
  • KYC/KYB, wallets, sandbox testing, and reporting in one platform
Cons
  • Enterprise pricing requires contacting OpenWay’s sales team
  • Its broad payment scope may exceed the needs of simpler card programs
  • Implementation may require integration with external systems and payment networks
  • Contact-sales pricing makes upfront cost comparison difficult
  • Enterprise-focused program support may exceed smaller project needs
  • Broad operations scope can require substantial implementation planning
Our verdict

OpenWay Way4 is a real-time payment software platform for banks, payment processors, fintechs, telcos, retailers, and other payment institutions. Its card-issuing scope covers credit, debit, prepaid, virtual, corporate, fleet, and…

Read the review →

Marqeta is cloud-based card-issuing and payment infrastructure for businesses creating branded debit, credit, prepaid, and virtual-card products. It is designed for consumer, commercial, embedded-finance, expense-management,…

Read the review →
  1. OpenWay Way4Card Issuing Platforms 9.4Pricing on request
  2. MarqetaCard Issuing Platforms 8.9Pricing on request

Strengths and trade-offs

  • OpenWay Way4 — where it wins

    • Supports credit, debit, prepaid, virtual, corporate, fleet, and multi-currency cards
    • Combines issuing, authorization, KYC/AML, settlement, reconciliation, and fraud monitoring
    • Offers SaaS, cloud, on-premises, hybrid, web, API, and self-hosted deployment options

    Where it doesn't

    • Enterprise pricing requires contacting OpenWay’s sales team
    • Its broad payment scope may exceed the needs of simpler card programs
    • Implementation may require integration with external systems and payment networks

  • Marqeta — where it wins

    • Physical and virtual card issuance with lifecycle operations
    • Real-time authorization, funding, and configurable spend controls
    • KYC/KYB, wallets, sandbox testing, and reporting in one platform

    Where it doesn't

    • Contact-sales pricing makes upfront cost comparison difficult
    • Enterprise-focused program support may exceed smaller project needs
    • Broad operations scope can require substantial implementation planning
  • OpenWay Way49.4/10 · Pricing on request

    A broad card-issuing platform for banks that need flexible deployment and processing depth.

    Visit OpenWayFull verdict →
  • Marqeta8.9/10 · Pricing on request

    An API-first platform for enterprise teams building branded physical and virtual card programs.

    Visit MarqetaFull verdict →

More comparisons

All card issuing platforms comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update