Spend & Expense Management
Control spend before it happens. Capture expenses after.
Spend and expense management with prepaid Mastercard and Visa cards. Issue to employees, teams, or departments - or embed card-based spend management into your own platform.
Physical & virtual
Mastercard and Visa prepaid cards
Real-time
spend visibility by cardholder, team, or department
Multi-level
approval workflows configurable by value or role
8 languages
cardholder mobile app
For businesses and the platforms that serve them.
For your business - control spend direct
Issue prepaid cards to employees, teams, and departments. Set budgets, control what cards can spend on, and capture receipts - before expenses become a month-end problem.
For your platform
Embed card-based spend and expense management into HR, payroll, travel, or expense platforms. Trigger card issuance and funding via API, with controls and reporting built in.
Issue, fund, control, spend, capture, reconcile.
Issue
Physical or virtual Mastercard and Visa prepaid cards. Issue to individuals, teams, departments, or projects. White-label options available for partners.
Fund
Load balances instantly from your master account. Set per-card limits. Top up individually or in bulk.
Control
Set merchant category restrictions, channel controls, daily and monthly limits, and geographic restrictions - before a card is used.
Spend
Cards accepted wherever Mastercard and Visa are accepted. Real-time alerts on every transaction.
Capture
Cardholders upload receipts and add transaction notes via the B4B Payments mobile app. Categorise by job code, project, or department.
Reconcile
Download transaction files, use webhooks, or export via CSV. Report by cardholder, team, or entity.
Control what cards can spend - before money moves.
Card limits
Set daily, monthly, and per-transaction limits per card or cardholder. Adjust limits instantly from the web app.
Merchant controls
Restrict by merchant category - block ATM withdrawals, limit to travel spend, exclude gambling, or allow only approved vendor categories.
Channel controls
Enable or disable online, contactless, ATM, and in-store spending independently per card.
Block / unblock
Freeze a card instantly from the web app or mobile app. Report lost or stolen cards and issue a replacement.
User roles and permissions
Admin, manager, and cardholder roles with configurable access. Control who can issue cards, set limits, and view spend data.
Approval workflows
Multi-level approvals configurable by payment value, team, or user role. Full audit trail on every decision.
Expense capture
Capture expenses at the point of spend.
Available for iOS and Android with biometric login, real-time alerts, Apple Pay and Google Pay, receipt capture, and multi-language support.
- Receipt upload - photograph receipts and attach to transactions from the B4B Payments mobile app.
- Transaction notes - add context, project codes, or categories at point of spend, not retrospectively.
- Real-time alerts - instant push notifications on every card transaction.
- Expense categorisation - tag by job code, project, department, or accounting category.
- Biometric login - Face ID and fingerprint for fast, secure access.
- Apple Pay and Google Pay - add B4B Payments cards to digital wallets.
- Multi-language support - available in 8 languages.
Key takeaway
See the full platform experience on the Web & Mobile App page.
What businesses use spend management for.
Employee expenses
Replace personal card claims and reimbursement requests with pre-funded cards and real-time receipt capture.
Travel and subsistence
Per-trip or per-employee budgets with merchant and geographic controls. No advances, no out-of-pocket claims.
Field teams and remote workers
Issue virtual cards instantly to distributed teams. Manage limits and block cards remotely from the web app.
Project and department budgets
Issue cards per project or cost centre and track spend in real time. Reconcile against budgets without waiting for month end.
Software subscriptions and ad spend
Virtual cards per vendor for controlled recurring spend. Set limits, monitor usage, and cancel without affecting other cards.
Events, production, and petty cash
Load once, control precisely, reconcile cleanly. Replace cash advances with auditable prepaid cards.
What platforms embed spend management for.
Expense-management platforms
Embed card issuance and spend controls into your product on B4B Payments' regulated infrastructure. No need to become a licensed issuer yourself.
Payroll & HCM platforms
Issue employee expense cards as part of a broader workforce management or payroll workflow.
Travel management platforms
Add card controls and real-time spend tracking for corporate travel programmes embedded in your booking flow.
Accounting and bookkeeping platforms
Combine cards, receipt capture, and transaction exports for a seamless customer spend and expense workflow.
Regulated infrastructure for spend and expense management.
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.
Mastercard and Visa
Principal member of both networks. Issue physical and virtual prepaid cards accepted globally.
Banking Circle Group
Part of Banking Circle Group - a fully licensed bank powering payment rails that process EUR €550B+ annually.
Full-stack platform
Cards, payments, accounts, and FX on one platform. Spend management is the entry point - expand as your needs grow.
UK, EU & US coverage
Operate across jurisdictions with a single provider. UK, EU, and US on one regulated platform.
Named expert support
A named account manager with deep sector knowledge.
Next step
Ready to control company spend? Talk to us or get started direct.
Issue prepaid cards, set controls, and reconcile spend from one platform. Start with spend management and expand into accounts, payments, and FX.