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Kitchen Sink
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APFX - Manage Funds
Allow your customers to create accounts, collect and hold function and issue multiple VIBANs
BaaS LP
Shortcode: [b4b-baas-lp]
BaaS LP (Columned)
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Tailor your financial offerings seamlessly on top of B4B’s Licences and Banking Stack, including:
Streamlined Onboarding:
Compliance and KYB
Secure Financial Crime Solutions:
Risk Management | Transaction Monitoring | Sanctions Screening | Fraud Prevention
Propositions:
Business Accounts | Payments & FX | Card Payments and Issuing | Expenses
Infrastructure:
Treasury | Ledger | Reconciliation
Customer Operation:
Customer-first | Developer-first | Multi-regional | Support | Business-model Diagnostic
About Us Timeline
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Payment Card Solutions (PCS) Founded.
Breadcard.com launch - one of the UKs first consumer-focused Prepaid Card Programs.
PCS and Bread4Business combine, becoming B4B Payments.
B4B Payments announces CEO, Paul Swinton, appointed as the Chairman of Payments Innovation Forum.
B4B Payments introduces mobile App.
B4B launches in North America
B4B Payments signs deal to join then Banking Circle Ecosystem
B4B launches several new solutions including Business Payments, Banking as a Service and BIN Sponsorship.
B4B Payments confirm that we are now officially part of Banking Circle Group
BaaS Infographic v2
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Banking as a Service
Card Issuing
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It's easy to customise your cards. Choose physical or virtual, add branding, set store or spend type restrictions and more via our powerful platform.
Prevent unauthorised spend, reduce fraud risk and stay compliant with KYC checks, biometric logins and instant card blocking.
Cards can be added to Apple or Google wallets for seamless mobile payments, and virtual cards make distribution a breeze.
Cardholders can spend in millions of locations worldwide. Keep control with real-time transaction data, photo receipts and API integration.
B4B’s environmentally-friendly card is made with material from 76% recycled post-industrial waste helping to reduce your carbon footprint year on year.
Baas Infographic
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BusinessAccounts
customers to
create accounts
collect and hold
funds and
issue multiple
VIBANs
Payouts
domestic and
international
payments
at scale
Payments
hold funds in
multiple currencies
to support settlement
for you or your
customers
Card issuing
multi-currency
cards to your
customers
anywhere, in your
branding
Interactive - How it works
Shortcode: [how-it-works]
Load
Add funds to your issued cards via your management platform, individually or in bulk, or set daily auto top-ups to a defined limit. Funds reach your cardholders instantly.
Issue
Issue ten cards, or tens of thousands! Have us deliver to your cardholder’s address, keep a stock of cards on your premises ready for activation, or send virtual cards via email.
Personalise
Make your cards stand out with personalised branding. If you’re issuing more than 200 cards, you’ll have the option to add your logo and designs to your cards and cardholder app.
Control
Set your cards to closed-loop (in-store) or open-loop (spend anywhere). Restrict online transactions or ATM use if required. Unload or block cards instantly.
Pay
Send and receive global multi-currency payments using SWIFT, Faster Payments, CHAPS, SEPA, ACH and more, at the current exchange rate with no hidden fees, via our platform or using our API.
Monitor
View real time statements, balances and transactions via our leading business payment platform. Automatically prompt cardholders to provide photo receipts for expenses via the cardholder app.
Report
Easily categorise transactions for reconciliation. Connect seamlessly with Xero, or integrate with our robust API.
Use Cases
What could B4B do for you?
Our clients are always finding new ways to use expense, incentives and payout cards.
Search Form
Infographic v2
BINSponsorship
Reconciliationfor PISPs
APIs for Payments,Accounts and Cards
Incentives& Rewards
PayoutCards
ManageExpenses
PayrollCards
GlobalPayments
FX in 25Currencies
Business PaymentAccounts
Infographic
Flexible payment accounts
Instant global payments
Make and receive high volumes of payments at attractive rates in 25 currencies, including SEPA, Faster Payments, CHAPS, USD ACH, DKK intraday and SWIFT. The account holders name is included on the bank statement of the beneficiary, so they can easily recognise the payment.
Low-cost FX
Make FX transactions in 25 currencies between your accounts or as part of an incoming or outgoing payment. Competitive pricing with no hidden fees. Up front-rates during bank opening hours.
Card Ts&Cs
UK
B4B Payments prepaid Mastercard® Terms and Conditions. The following Terms & Conditions definitions apply to UK issued B4B Payments clients and cardholders.
Client Terms & Conditions
Enterprise Client:
is a business which both: (a) employs more than 10 people; and (b) has a turnover or annual balance sheet exceeding £2 million.
Small Business Client:
(a) employs fewer than 10 people; and (b) has a turnover or annual balance sheet that does not exceed £2 million. Or a charity is a body whose annual income is less than £1 million and is: (a) in England and Wales, a charity as defined by section 1(1) of the Charities Act 2011; (b) in Scotland, a charity as defined by section 106 of the Charities and Trustee Investment (Scotland) Act 2005; or (c) in Northern Ireland, a charity as defined by section 1(1) of the Charities Act (Northern Ireland) 2008.
Enterprise Corporate Terms and Conditions
Small Business Corporate Terms
Card User/Holder Terms:
Enterprise Card User Terms
For users of B4B enterprise expense and incentive products.
Small Business Card User Terms
For users of B4B small business Expense and Incentive products.
Cardholder Terms
For recipients of funds using B4B Payout and Payroll products.
Bread4Scrap Terms & Conditions:
EU
The following Terms & Conditions definitions apply to B4B Payments UAB clients and cardholders located in Europe, outside of the UK.
Client Terms & Conditions:
Europe Business Terms & Conditions [English]
Europe Business Terms & Conditions [Lithuanian]
Card User/Holder Terms:
Europe Card User Terms & Conditions [English]
Europe Card User Terms & Conditions [Lithuanian]
For users of B4B Payments EU expense and incentive products located in the EU.
Europe Cardholder Terms & Conditions [English]
Europe Cardholder Terms & Conditions [Lithuanian]
For recipients of funds using B4B Payout and Payroll products located in the EU.
U.S.
B4B Payments prepaid Visa® Terms and Conditions.
Card User/Holder Terms:
Business prepaid Visa® Cardholder Agreement
Incentive prepaid Visa® Cardholder Agreement
Payout prepaid Visa® Cardholder Agreement [English]
Payout prepaid Visa® Cardholder Agreement [Versión en español]
Locations
21-24 Millbank
London
SW1P 4QP
Didžioji
G. 18
Vilnius
Lithuania, LT 01128
40 Washington Street
Suite 150,
Wellesley, MA. 02481
Hero with Video
Interactive - What can we do?
Interactive - Banking as a service
accounts and card issuance
Interactive - Bin Sponsorship
businesses
without a scheme licence
scheme permissions
Platform Features
Interactive - Reconciliation
scheme permissions
confirmation and reconciliation
Hero
Switched-on global
payment solutions
Image + Text
Card Services
Whoever you need to get funds to, our turnkey system gives you everything you need to create and manage a secure, flexible payment scheme for your business. We offer everything you need to launch a card programme, with advanced features, full flexibility and industry-leading security.
Benefits Detailed (Icon Above)
Whatever your business objective, we can help you grow with the power of scalable and secure payments
We offer everything you need to launch a card programme in a single turnkey solution, with advanced features, full flexibility and industry-leading security.
Corporate
Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.
Corporate
Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.
Corporate
Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.
Corporate
Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.
Corporate
Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.
Benefits Detailed (Icon Left)
Whatever your business objective, we can help you grow with the power of scalable and secure payments
We offer everything you need to launch a card programme in a single turnkey solution, with advanced features, full flexibility and industry-leading security.
Corporate
Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.
Corporate
Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.
Corporate
Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.
Corporate
Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.
Corporate
Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.
Image on Blue
Buttons
Logo Strip
Promo
B4B with Apply Pay
Benefits Simple
Cost-efficient and fast
For high volumes of local and international payments ,we offer better transaction and FX rates and faster settlement times than a high street bank.
Cost-efficient and fast
For high volumes of local and international payments ,we offer better transaction and FX rates and faster settlement times than a high street bank.