Payments & FX
Make payments direct - or embed them in your platform.
Local and international payments for businesses managing their own money movement, and for platforms building payment flows into their product. Send, convert, pay and reconcile - across SEPA, Faster Payments, SWIFT, ACH, and local rails.
Local & Instant
rails across GBP, EUR and more
SWIFT
cross-border reach via Banking Circle infrastructure
21 currencies
available via FX conversion
Spot & held rates
with full rate transparency
For businesses and the platforms that serve them.
For your business - pay direct
Make supplier payments, payroll runs, contractor payouts, and international transfers from one platform. Use the web app for manual payments, bulk CSV upload for high-volume runs, or the API for automated single payment flows.
For your platform
Trigger payouts from your product via API on B4B Payments' regulated infrastructure. Collect with dedicated virtual accounts or VIBANs. Support payroll, proptech, lending, and marketplace payout use cases without becoming a regulated entity yourself.
Collect, convert, pay, track and reconcile.
Collect
Receive funds via dedicated virtual accounts or VIBANs. Automated routing and reconciliation by payment reference.
Convert
Live spot FX with real-time rates, or hold rates for up to 24 hours. Convert between 7 held currencies or pay out in 21 via SWIFT - all in a single flow.
Pay
SEPA, SEPA Instant, Faster Payments, SWIFT, ACH, and local rails. Single payments via the web app or API; bulk via CSV upload through the web app.
Track
Real-time payment status from initiation to settlement. Download MT103s and access full transaction histories.
Reconcile
Webhooks, virtual account references, transaction files, and Open Banking connections close the loop automatically.
The right rail for every payment.
B4B Payments gives you access to multiple payment rails - the right one for each currency, destination, and speed requirement.
Local & instant rails
UK payments via Faster Payments arrive in seconds, 24/7. EUR payments via SEPA Instant settle in real time where supported - with standard SEPA for same-day or next-day delivery. Banking Circle's infrastructure also gives access to local rails in Denmark, Australia, and other markets, enabling near-local payment speeds in countries where SWIFT would otherwise be the only option.
Cross-border via SWIFT
International payments route through SWIFT, powered by Banking Circle's proprietary infrastructure - giving B4B Payments customers broad cross-border reach without the correspondent banking overhead of a traditional bank.
USD domestic via ACH
US dollar domestic payments are processed via ACH with same-day settlement. Ideal for recurring and bulk USD disbursements across the US.
Convert currencies in real time.
B4B Payments customers can hold balances in 7 currencies and convert between them at live spot rates or with held rates for up to 24 hours. For payments beyond those held currencies, FX conversion via SWIFT extends reach to 21 currencies - so your business can pay almost anywhere, in almost any currency, from a single platform.
Spot and held FX across 21 currencies
Convert between your 7 held currencies at live spot rates, or lock in a held rate for up to 24 hours. Pay internationally in 21 currencies via SWIFT with FX conversion built into the payment flow. Rates are sourced from Banking Circle's infrastructure with a configurable margin agreed per customer.
Convert and pay in one flow
Convert from one currency account into another, then pay a beneficiary - all within a single payment instruction. No need to pre-fund separate accounts.
Multi-entity FX
Move and convert funds between your own entity accounts. Consolidate treasury positions across currencies without triggering external payment flows.
What businesses use payments for.
Supplier payments & accounts payable
Pay domestic and international suppliers on time, in their local currency. Bulk CSV upload for high-volume AP runs; single payments via the web app or API for ad hoc needs.
Payroll, contractors & workforce payments
Run payroll across geographies without managing multiple banking relationships. Pay contractors in their local currency via SEPA, Faster Payments, SWIFT, or ACH.
Disbursements & refunds
Insurance claim payments, customer refunds, incentives, and cashback disbursements - processed in bulk or individually with full payment tracking.
International transfers & FX
Move money across borders in 21 currencies with transparent FX built in. Spot rates or held rates for up to 24 hours - no hidden fees.
What platforms embed payments for.
Embedded payouts
Trigger payments from your platform via API on B4B Payments' regulated infrastructure. No need to become a licensed payment institution yourself.
Payroll & HCM platforms
Embed global payroll disbursements into HR and workforce management platforms. Pay employees and contractors in local currencies with full reporting.
Proptech & rent collections
Assign dedicated virtual accounts or VIBANs per property or tenant for automated rent collection and reconciliation. Ideal for residential and commercial property managers.
Lending & PISP
Disburse loan funds or enable payment initiation within lending and Open Banking workflows on FCA-regulated infrastructure.
Everything your payments team needs.
From a single manual payment to high-volume batch processing across multiple entities - B4B Payments covers the full range of how businesses actually move money.
Single payments
Initiate individual payments manually via the web app or programmatically via API. Domestic and international, single-currency and FX-converted.
Batch payments
Upload payments in bulk via CSV through the web app. Ideal for payroll runs, supplier disbursements, and any high-volume recurring payment flow.
Beneficiary management
Maintain an approved directory of beneficiaries. Add, verify, and manage payees with full audit trails and validation at point of entry.
Confirmation of Payee
CoP (UK) and VoP (SEPA) verify that the account name matches the details provided before a payment is sent - reducing misdirected payments and fraud risk.
Payment approvals
Configure multi-level approval workflows by payment value, entity, or user role. Four-eyes principle for high-value or high-risk payments, with a full audit trail on every decision.
Payment tracking & reporting
Monitor payment status from initiation to settlement in real time. Download MT103s, access transaction histories, and report at account or entity level.
Multi-entity payment management
Manage payments across multiple entity accounts from a single consolidated view. Consolidate visibility, control approvals, and report across your entire operation.
API & Portal
Initiate single payments, manage beneficiaries, and retrieve transaction data via B4B Payments' REST API - or handle everything through the web app.
Reconciliation for Open Banking.
Connect bank accounts via Open Banking
Authorise read-only access to your external bank accounts through Open Banking. Pull in transactions and balances automatically - no manual exports or bank file processing.
Automated reconciliation
Match incoming payments against expected receipts automatically. B4B Payments cross-references Open Banking transaction data with your own ledger, flagging mismatches for review.
Unified reporting across accounts
View B4B Payments accounts and Open Banking-connected accounts side by side. Export consolidated statements and reconciliation reports for your finance team or auditors.
Read-only and FCA-regulated
Open Banking connections are read-only - no payment instructions can be sent via this channel. Data sharing is regulated under the FCA's Open Banking framework.
Built to move money at scale.
FCA authorised and Bank of Lithuania licensed
Authorised by the FCA (UK) and licensed by the Bank of Lithuania (EU). Client funds are safeguarded under e-money regulation.
Banking Circle Group
Part of Banking Circle Group - a fully licensed bank powering payment rails that process EUR €550B+ annually across Europe and beyond.
Full-stack platform
Accounts, payments, FX, and cards on a single platform. Start with payments and expand into the wider product suite as your needs grow.
Global payment rails
SEPA, SEPA Instant, Faster Payments, SWIFT, ACH, and others - direct access without the overhead of managing multiple banking relationships.
UK, EU & US coverage
Operate across jurisdictions with a single provider. UK, EU, and US payment flows on one regulated platform.
Named expert support
A named account manager with deep sector knowledge.
Next step
Ready to move money? Talk to us or explore the API.
Talk to our team about payment rails, FX, approval workflows, and multi-entity setup.