Author: Pin Huang

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Company News Incentives & Perks Newsroom

Rewarding Employees with Cash-Christmas

It might be too early to talk about Christmas, but it’s not too early to think about rewards and incentives for your employees.

Christmas is the perfect time to express your appreciation for your team’s hard work throughout the year. This festive season, B4B Payments offers a simple yet meaningful way to spread cheer among your employees – our prepaid gift cards. 

These cards provide your employees with the freedom to choose their own reward and are a testament to our 17 years of expertise in payments and our global recognition as a trusted provider of card issuing and embedded payment services, now as part of the Banking Circle group of companies.

The pain points of Christmas rewards

Selecting the perfect gift can often be a challenging and complex process. It’s a delicate balance of aligning the recipient’s preferences, interests, and needs with your budget constraints. You might also need to consider the uniqueness of the gift, its relevance to the recipient, and its potential longevity. Moreover, organisational considerations such as budget, ease of distribution, and the message the gift conveys must also be taken into account.

Even after putting careful thought into these factors, there’s no guarantee that the chosen gift will hit the mark. It could be the wrong size, colour, or simply not to the recipient’s taste. This uncertainty can turn the joyful act of giving into a stressful endeavour.

That’s where B4B Payments card services step in as the ultimate solution. They are universally appreciated because they offer the gift of choice. Using prepaid cards as a form of reward, the recipient has the freedom to select something that truly resonates with them, something they genuinely need or have been eyeing for a while. It’s an empowering gift that respects individual tastes and preferences. 

B4B Payments – offering unrivalled rewards and incentives

Let’s delve into some of the benefits of choosing B4B Payments for your corporate gifting this festive season:

1. Simplify management with our Cardholder app

Our user-friendly Cardholder app allows employees to manage their card balances and more easily. Plus, our dedicated support team is always on hand to assist with any queries.

2. Spend at millions of locations worldwide

Whether you’re rewarding a workforce that’s working from home, back in the office, or never stopped throughout lockdown, B4B Payments has got you covered. Our prepaid cards can be used anywhere Mastercard is accepted, including in their Google Pay or Apple Pay wallet!

3. Flexible, sustainable, and globally accepted

B4B Gift Cards offer the flexibility of being single-use or reloadable for incentives, payroll, payout, or expenses. They are made from 75% recycled plastic materials, offering a sustainable choice.

4. Expert team, advanced products, trusted global provider

Our expert team boasts a market-leading level of experience in setting up successful card programs, and we offer advanced end-to-end payment solutions to help you grow your business. As an FCA and Bank of Lithuania Authorised E-money institution, a Principal Member of Mastercard, and a partner provider to Mastercard Fintech Express Program, we are a trusted global provider of card issuing and payment services.

A gift from B4B Payments this Christmas

It’s not all about your employees this Christmas. There’s something for you, too. At B4B Payments, we’re offering FREE delivery on our cards to make your gift-giving that bit easier (and cheaper).

The minimum order value for our gift cards is £1,000, and this applies only to non-branded cards. The offer is limited to a single bulk order to a UK office address, with each card carrying a minimum load of £10. This special offer is available until October 31st, 2023.

Want to know more about rewards and incentives

Rewards and incentives can be offered all year round to improve employee retention. Take a look in more detail into how B4B payments use 17 years of experience in the payments industry to offer seamless rewards and incentives for businesses around the globe.

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Winning the GCVA Hall of Fame Awards for best gift card B2B product/service!

We’re thrilled to announce our win at the GCVA Hall of Fame Awards for Best Gift Card B2B Product/Service! This achievement underscores our commitment to excellence in payment solutions and is a recognition from the industry that B4B is a major player in the corporate loading gift space.

B4B’s expertise in Product Recall Support

Over the last year, B4B provided the distribution mechanism to support a major manufacturer in managing its recall programme throughout Europe. Specifically, B4B provided affected consumers with a virtual, branded Mastercard® badged open-loop prepaid card across Europe to support the targeted recall programme. 

This was a major undertaking, with upwards of 75,000 cards issued and nearly £20M in refunds over a short period of time. Activation rates topped 90%. This award recognises B4B’s ability to launch and run large incentive or recall compensation programmes.

B4B has supported hundreds of companies to digitalise their old legacy processes and cash or voucher systems. Our disbursement solutions have proven to drive customer loyalty and repeat purchases or, when things go wrong, to quickly compensate affected customers.

Here are three key aspects that highlight the value and optimisation of our services:

1. Easy Distribution: Instant virtual card issuance via email ensures global accessibility and branding options for a seamless experience.

2. Instant & Transparent Payments under regulation: Our EMI status allows rapid payments while navigating regulations, fostering trust.

3. Effortless Redemption: Fast and secure contactless payments through popular digital wallets, available for both plastic and virtual cards.

We are pleased to receive the recognition from the GCVA Hall of Fame Awards. It inspires us to continue pushing the boundaries of innovation, serving our clients promptly and efficiently, and shaping the future of payment solutions.

Pictured are our CCO, Craig Simpson, and Director of Accounts, Tim Robson.

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Understanding BaaS: A Guide to Banking-as-a-Service

Innovation and digitisation continue to break down barriers, and the lines between traditional ways of serving customers are being redefined. Businesses are keen to ride this wave of change and enhance their services and customer experiences. Banking-as-a-Service (BaaS) is one of the most compelling examples of how the tide is turning and delivering flexibility, efficiency, and heightened customer engagement.

In this blog, we dive into the basics of BaaS, explain why it’s captured the imagination of businesses worldwide and provide some key examples of BaaS in action.

What is BaaS?

Changes to financial services rules and regulations mean that banks have lost their monopoly on providing financial services. Today, you don’t need to be a bank to offer banking services. You just need to work with a service provider that adheres to strict regulations and has the proper permissions.

Banking-as-a-Service (BaaS) is therefore a significant shift in the way banking functions are delivered and consumed. It enables businesses to integrate banking services directly into their own systems, making transactions and other banking activities more efficient and user-friendly.

BaaS operates on a digital infrastructure where a licensed financial services provider offers financial products or services on a modular basis to other businesses.

It removes the barrier to entry in the financial world by providing businesses with a framework they can use to offer banking services without having to build them from scratch, which would be a considerable investment of time and money.

The components of BaaS range from payments and deposits to lending and compliance services, all delivered through a digital interface. It allows non-bank organisations to integrate all financial components into their operations.

The adoption of BaaS solutions brings benefits such as reduced operational costs, improved customer experience, quicker time-to-market, and increased revenue streams.

How BaaS Works: Unravelling the Mechanics

BaaS operates primarily through API integrations.

APIs (Application Programming Interfaces) are software intermediaries that allow different applications to communicate with each other.

In BaaS, APIs are used to link businesses’ systems with the services provided by banks or financial institutions. This enables businesses to offer modular banking solutions such as account creation, payments, or card issuance without the need for extensive banking infrastructure.

The Role of BIN Sponsorship

BIN Sponsorship plays a critical role in BaaS.

BIN stands for Bank Identification Number and is the first four to six numbers that appear on payment cards.

BIN Sponsorship allows non-bank entities to issue payment cards under their own brand. A BIN Sponsor is a bank or financial institution that is part of a card network and can facilitate payment card transactions.

By leveraging BIN Sponsorships, businesses can process seamless payments without having to directly interface with card networks or financial institutions.

BIN Sponsorships simplify regulatory compliance, as the sponsor bank handles all compliance-related matters, including anti-money laundering (AML) and Know Your Customer (KYC) procedures.

The Need for BaaS: Addressing 6 Key Challenges

Banking-as-a-Service (BaaS) addresses six key challenges that have been prevalent in traditional banking systems:

1. Access to Banking for Non-Banks

BaaS lowers the barriers to entry for non-banking businesses that want to offer financial services. Through partnerships with BaaS providers, companies that do not have a banking license can still offer their customers banking services.

2. Agility and Speed

Traditional banking systems are often characterised by their slow and cumbersome processes. BaaS, with its digital infrastructure, allows for much faster and more agile operations. The API integrations allow businesses to quickly implement banking services and adapt to market changes with minimal delay.

3. Customer Experience

The traditional banking experience is often less than ideal for customers, who now expect seamless and instant services. BaaS enhances the customer experience by integrating banking services directly into the platforms they already use, making banking more accessible and convenient.

4. Cost Reduction

Establishing and maintaining a traditional banking infrastructure is expensive. BaaS allows businesses to leverage the infrastructures of existing banks alongside the automation and digitisation of services which reduces operational costs.

5. Scalability

Traditional banking systems are not easily scalable. BaaS, with its modular approach, allows businesses to scale their operations efficiently. They can select and integrate the services they need, and easily add or remove services as their requirements change.

6. Regulatory Compliance

Complying with the complex regulatory requirements in banking is a significant challenge. BaaS providers often handle compliance, reducing the burden on businesses and ensuring that services are provided within the regulatory framework.

Key Examples of BaaS in Action

The implementation of BaaS has transformed various industries.

1. Fintech

In e-commerce, businesses use BaaS to simplify payments, making checkouts smoother and improving the overall shopping experience. In the gig economy, companies use BaaS to provide faster payouts to their workforce, enabling real-time payments.

2. eCommerce

In e-commerce, businesses use BaaS to simplify payments, making checkouts smoother and improving the overall shopping experience. In the gig economy, companies use BaaS to provide faster payouts to their workforce, enabling real-time payments.

3. Telecommunications

Telecom companies can enable their customers to perform transactions, such as mobile money transfers, paying bills, and purchasing airtime, seamlessly through their mobile phones. This integration is particularly beneficial in developing regions where banking infrastructure is limited, but mobile phone usage is widespread.

4. Healthcare

Hospitals and clinics can integrate BaaS solutions to enable easy and secure payment options, reducing administrative workload and enhancing the patient’s experience. Healthcare providers can leverage BaaS platforms to offer tailored financial products such as health savings accounts or payment plans.

5. Travel and Hospitality

Hotels and travel agencies can integrate BaaS to offer seamless booking and payment processes. They can create loyalty programs that reward customers with points that can be converted into financial benefits. This not only increases customer satisfaction but also builds brand loyalty.

Stay close to customers with BaaS

Banking-as-a-Service is more than just a solution for today’s banking challenges – it’s a forward-looking approach that’s set to redefine the financial landscape of tomorrow.

As businesses recognise the benefits of BaaS, from operational efficiency and agility to enhanced customer experiences, its adoption is only poised to grow.

In this new era of banking, the adoption of BaaS isn’t just an option; it’s a strategic necessity for businesses wanting to stay competitive and relevant.

With the added capability of providing real-time payments, personalised experiences, and facilitating digital transformation across sectors, BaaS unlocks a strategic advantage in an increasingly competitive market. 

Embracing BaaS means embracing a future of seamless, customer-centric, and cost-effective banking solutions that work for the ever-evolving requirements of your business.

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The Benefits of Card Services for Employee Payroll

Employee payments are a crucial aspect of any business, but managing payments can be particularly challenging for companies with a global workforce. In such situations, traditional payment methods may not be practical or cost-effective, leading to delays in payments and unhappy employees.

That’s where prepaid cards come in, providing an innovative solution to enable businesses to streamline their global payment operations. Available in both physical and virtual forms, these cards can be preloaded with the desired amount and distributed to employees regardless of their location. This offers employees immediate access to their funds, enhancing their financial flexibility.

Interested in finding out more? Join us as we explore the challenges and benefits of using virtual, physical, and prepaid cards for employee payments around the globe.

Uncovering the Convenience of Virtual and Physical Prepaid Card Services

To streamline payroll management, businesses worldwide are turning to card services. In many regions, traditional banking systems make it difficult for employees to open bank accounts. Prepaid cards offer a practical and efficient solution, allowing employees to receive their payments directly onto a card that can be used for purchases or cash withdrawals.

The introduction of virtual prepaid cards has further increased the level of convenience in accessing funds. Platforms like B4B Payments empower businesses to instantly generate virtual cards, effectively eliminating the waiting periods associated with the delivery of physical cards. This feature is particularly beneficial for employees requiring quick access to funds, such as those on business trips or working remotely.

Moreover, prepaid cards reduce the necessity for employees to carry large sums of cash or depend on expensive wire transfer services. This approach not only saves time and effort but also proves more cost-effective for both employees and employers.

The global prepaid card market, projected to reach $4.1 trillion in transaction value by 2026, according to Juniper Research, attests to the increasing demand for this convenient form of payment. This growth is primarily driven by emerging markets, where the reach of traditional banking systems may not be as extensive.

B4B Payments’ prepaid cards serve as a more permanent solution, available in the form of virtual and physical branded cards. They can be easily topped up via an intuitive platform, making prepaid cards an accessible solution for companies aiming to streamline their employee payments.

Boost Your Payroll Security with Card Services

Virtual, physical, and prepaid card services offer unparalleled security for global payments, thanks to features like fraud protection and real-time card locking. It’s worth exploring these security features in the context of international transactions, where unique security challenges often arise.

The Role of Security Features in International Transactions

Businesses conducting international transactions face unique security challenges, such as potential fraud and unauthorised use. Some common security issues include payment card data breaches, phishing attacks, and unauthorised access to payment systems. Here, card security features play a crucial role in mitigating these concerns.

Card Services Security Features: A Detailed Look

Card services, including virtual, physical, and prepaid cards, offer a secure payment option for businesses and employees alike. They come equipped with multiple security features to guard against fraud and unauthorised transactions.

One of the primary advantages of these card services is their built-in fraud protection measures. Many card providers offer round-the-clock fraud monitoring and protection, ensuring that any suspicious activity is promptly detected and addressed.

Additionally, the ability to lock and unlock cards in real-time serves as a key security feature. If an employee loses their card or suspects unauthorised use, they can instantly lock the card, preventing further transactions. Once the card is found or the issue is resolved, it can be quickly unlocked for continued use.

Virtual cards offer enhanced safety as they eliminate the risk of physical loss or theft. These cards typically have unique card numbers and security codes, providing an additional layer of protection against unauthorised use.

Benefits of Global Payments with Card Services

Adopting card services for global payments provides several benefits to businesses. Not only does it ease the payroll process, but it also helps foster a sense of trust and satisfaction among employees. Moreover, it simplifies international transactions by bypassing the need for multiple currency conversions and mitigating exchange rate risks.

In a world where remote work is becoming the norm, global payments through card services are more relevant than ever. These services make it possible for companies to pay their employees promptly, irrespective of their location. Plus, employees can access their funds instantly and use them according to their needs.

Furthermore, card services also offer transparency in transactions, allowing companies to monitor and control spending more effectively. This helps in budgeting and financial planning, leading to more informed business decisions.

In summary, card services for global payments offer an efficient, secure, and convenient solution for businesses and their employees.

The Future of Employee Payroll is B4B Payments

As businesses grow and expand globally, the need for an efficient and secure payroll system becomes more apparent. Prepaid cards present an innovative solution, simplifying the payment process while ensuring enhanced security. 

At B4B Payments, we offer a variety of prepaid card solutions that are accepted globally that have been built on our 19 years’ experience in the business, perfect for managing payroll, employee expenses, travel expenses, incentives, and rewards.

Learn more about B4B Payments and how our card services can streamline your employee payment process, saving your business time and resources. The future of employee payroll is here; embrace the change and enjoy the benefits.

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Maximising Efficiency for Regulated EMIs with Scheme Permissions

Firstly, congratulations on navigating the complex process of acquiring your Electronic Money Institution(EMI)-regulated status and scheme permissions. It is a significant achievement in the FinTech sector, where many startups in the $245 billion industry are still struggling to reach. But what’s next?

You may feel overwhelmed at the thought of transitioning from using a BIN Sponsor to managing your own scheme memberships. New settlement processes and increasing demands on your resources can seem like a daunting challenge. Embracing your new status requires strategic planning and partnership. You’re poised to redefine your customer experience, increase autonomy, and drive growth. Yet, you must also consider the operational complexities this transition entails. How do you maintain continuity of service during the switch? How do you deal with new compliance requirements? These are critical questions to answer.

B4B Payments’ BIN Sponsorship 2.0 can seamlessly address these challenges. Our service can facilitate this transition, providing comprehensive support, industry expertise, and innovative solutions to set you on the path to success. Let’s explore how we can help your FinTech venture thrive.

Benefits of an EMI with Scheme Permissions

Your new status as a regulated EMI with scheme permissions brings several benefits, including enhanced security, increased compliance, and bolstered customer trust. 

Let’s take a look at those benefits in a little more detail

1. Increased security and compliance

As a regulated EMI, you’re under the strict supervision of financial authorities, which necessitates adherence to high standards of security and compliance. This brings a host of benefits, particularly in terms of corporate payments. For instance, under the regulation of the Financial Conduct Authority (FCA) allows you to issue e-money and provide associated payment services, such as transfers and foreign currency payments.

Your new status also fortifies your defence against fraudulent activities and reduces the likelihood of compliance violations. Thereby, it fosters a safer and more trustworthy business environment. It’s like having a shield that protects your business while enhancing its reputation in the market.

Additionally, as a FinTech startup, you’re now in a position to extend partnerships as a regulated EMI. This means you can help other businesses benefit from your expertise in maintaining secure and compliant payment infrastructures, further solidifying your standing in the industry.

2. Enhanced customer confidence and trust

As an EMI-regulated FinTech with scheme permissions, you’re in a position to enhance customer confidence and trust. By partnering with major issuers such as Mastercard and Visa, you can issue your own unique card numbers to cardholders. Coupled with branded cards, this strategy can supercharge customer loyalty and attract new business.

At B4B Payments, for instance, we offer our customers the ability to send payments via various channels like SWIFT, Faster Payments, CHAPS, SEPA, and local clearing in the USA (ACH) and DKK to over 20 different countries. This wide range of services offers freedom for businesses dealing overseas, or looking to grow overseas, to ensure that their needs are met efficiently and effectively.

We also leverage state-of-the-art security measures to protect cardholder information and transactions, ensuring peace of mind for users. Furthermore, our dynamic business model allows for scalable solutions that can adapt to your evolving business needs. We also provide customised reporting and analytics, offering insights into spending patterns that could optimise business operations. With B4B, businesses can not only streamline their payment procedures but also transform them into strategic tools for growth and development.

Leveraging B4B Payments to Stay Efficient

Whether you’ve used B4B’ BIN Sponsorship 2.0 to reach this point in your journey or are looking for additional support, we have a range of services that can offer significant benefits.

As an entity authorised and regulated by the Financial Conduct Authority (FCA) and holding an EMI licence, B4B is well-positioned to offer further support with compliance, security, settlement, and platform integration.

Our compliance and security measures are enable to protect businesses and their employees’ data and funds. As a regulated EMI with scheme permissions, you can continue (or begin to) offload your safeguarding requirements to us. It frees up internal time to concentrate on scalability and business growth. With 17 years of industry experience, we ensure that customer funds are held separately from your company’s other funds, and that you’re covered by the appropriate insurance policies that meet industry standards.

Our platform is also designed with compliance in mind. It ensures all transactions comply with regulations such as Payment Services Directive (PSD2) and Anti-Money Laundering (AML).

Furthermore, we offer a ‘Settlement Only’ package that allows you to leverage our issuing capabilities while you develop your own customer interface to manage client accounts.

B4B Payments – Your Partner in the Payments Journey

No matter where you are in your payments journey, B4B can help you strengthen your proposition. With our expertise and customer-centric services, we can optimise your operations and make the most of your new status as a regulated EMI with scheme permissions.

Explore more about B4B’s BIN Sponsorship 2.0 service, and our other payment services, including embedded cards, FX, and more. By partnering with us, you can maximise efficiency, ensure compliance, and bolster your business’ growth in the rapidly evolving FinTech landscape.

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B4B & OneMoneyWay support SMEs, offering affordable banking solutions

The Danish SME Payments Specialists.

OneMoneyWay is a Danish FinTech Startup that has partnered with B4B to offer SME’s payment services. They aim to simplify corporate payments for small businesses, eliminating the lengthy processes and high costs typically associated with opening a corporate bank account in Denmark.

Partnering with B4B Payments to Navigate Regulatory Challenges.

As a FinTech company operating in a highly regulated environment, OneMoneyWay faced numerous challenges to become a fully licensed entity. However, by partnering with B4B, they have found a speedy route to market. They have navigated the complexities of regulations and payment technologies, while ensuring compliance and ethical conduct.

Oliver Bentzen, CEO of OneMoneyWay, highlights the benefits with B4B. 

“Now that B4B has become part of the Banking Circle Group, they’re able to offer an even wider array of financial services. Unlike other providers focus on payments only, FX only, cards only, B4B can provide everything for the new generation of FinTechs.

B4B Payments are especially skilled in the field of compliance where they truly outpace their competition, for us that means our clients get onboarded much faster than our competitors and that makes us an attractive solution to end customers. “

OneMoneyWay streamlined onboarding and affordable banking solutions.

Together, OneMoneyWay has shortened the onboarding time from 3-6 months to 2-6 weeks with a much lower monthly fee. OneMoneyWay has leveraged B4B Payments’ comprehensive range of financial services, including payments, FX, and the possibility of card issuing capabilities. Therefore, now they can offer a full-fledged banking experience to small and midsize businesses. 

OneMoneyWay tailored Financial Services with B4B’s technology.

Using B4B’s Embedded Finance Services and API integration, OneMoneyWay can tailor its offerings to suit the clients’ needs. They provide SMEs with a simplified and user-friendly financial platform with DKK, SEK, EUR, USD and GBP accounts. Through these accounts, B4B has payment services in both local rails and to 25+ currencies through SWIFT & NACHA.

By incorporating B4B’s Embedded Finance Services into its product and service offerings OneMoneyWay enhances their ultimate client value proposition. 

“B4B Payments’ robust and secure API has a perfect use case here. OneMoneyWay integrates with B4B’s platform and select the specific banking provisions that suit their needs,” says B4B Director of Accounts Tim Robson. This flexibility allows them to work with regulatory demands and provide their clients with a simplified and user-friendly financial platform.

Scaling Success: OneMoneyWay Achieve Remarkable Outcomes. 

One Money Way, in just six months, has onboarded many clients with B4B. In addition, They have received 4.7 out of 5 excellent reviews for its fast onboarding and currency options on Trustpilot.  

“My future expectations are that OneMoneyWay and B4B Payments will grow together across Europe with the ambition of reaching the first 10,000 clients within 18 months,” says Oliver Bentzen, CEO of OneMoneyWay.

In summary, B4B is thrilled to solve SME pain points together with OneMoneyWay and so create a unique offering.

B4B Account Manager, Adam Bradford who looks after the relationship with OneMoneyWay added, “The partnership highlights how we can provide a fast-to-market solution for a new entrant to the fintech space. It allows them to build an effective platform connected to payments and card rails.”

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We’ve made the PayTech Awards Finalist

At B4B Payments, we are delighted to be the finalists in two categories at the PayTech Awards 2023. The recognition acknowledges our efforts and is a testament to our team’s dedication to revolutionising the payment experience. The two categories in which we have made it to the finals are “Best Cards Initiative” and “PayTech for Good.” Above all, we have always aimed to impact society positively, and we are proud that our work is gaining recognition.

Best Cards Initiative – B4B Payments provides support with prepaid Higher Education Travel Cards.

Being a finalist in the “Best Cards Initiative” category is another milestone in our journey. Our aim has always been to provide our clients with the best solutions and services that improve the payment experience. Therefore, we are proud that our Prepaid Card Solutions is making a difference in Higher Education, helping staff & students travel safely and efficiently. Besides, we help universities manage their funds, allowing easy access to expenses, and giving organisations, like Next Steps South West and Plymouth University, having better control over their finances.

PayTech for Good – B4B Payments – No one left behind

As a company, we are responsible for giving back to society and positively impacting it. We have partnered with Migrant Help & Thames Reach and collaborated to provide access for struggling people. In short, we commit ourselves to innovating our PayTech services to help those in need and make a real difference in their lives. Receiving the “PayTech for Good” distinction is a great honour, and we will continue to put our best efforts into positively impacting society.

We are immensely honoured to have been recognised by PayTech Awards 2023. We will continue to innovate and invest in cutting-edge technologies to provide the most efficient, reliable, and secure payment methods.

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B4B Payments to Showcase Instant Card Issuing and Payments Innovation at Money 20/20 USA

B4B Payments, a Banking Circle Group company, will demonstrate its robust and scalable corporate card issuing and payments platform for the first time publicly to US companies at this year’s Money 20/20 event in Las Vegas, NV.

Check out further information here.

 

 

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B4B Payments at Money20/20 USA: globalising US fintechs for European issuing and payment expansion

We look forward to attending Money 20/20 USA and discussing with industry friends and partners how we can help them achieve their payment vision.

Check out further information here.

 

 

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Meet B4B Payments and Banking Circle at Money20/20 Europe in Amsterdam!

This week B4B Payments and Banking Circle will be exhibiting at the biggest fintech event in Amsterdam taking place on 7-9 June!

Money20/20 Europe is a global fintech event focused on payments and financial services innovation for connected commerce at the intersection of mobile, retail, marketing services, data and technology.

Who is B4B Payments?

Check out further information here.