Products · Cards
Issue cards across the UK, EU and US.
Mastercard and Visa prepaid cards for businesses and the platforms that serve them. Issue direct to your team or embed card issuance into your own product.
Mastercard + Visa
dual scheme
EUR · GBP · USD
multi-currency issuance
API-first
card issuance at scale
Since 2006
regulated card issuer
How businesses use B4B cards
Prepaid cards for every business payment need - from day-to-day expenses to large-scale incentive programmes.
Expenses
Replace petty cash and paper receipts with prepaid cards. Set spend limits, capture receipts in-app, and categorise by team or project.
Employee payments
Pay contractors, seasonal workers and remote staff without bank transfers. Load cards instantly, in multiple currencies, with no bank account required.
Payouts
Issue cards for cashback, insurance disbursements and loyalty rewards. Recipients get instant access to funds, globally.
Incentives and rewards
Branded cards for customer acquisition, referrals and staff recognition. Open or closed loop, physical or virtual.
Cards for businesses and platforms.
For businesses - issue direct
Control spend across your team. Issue cards to employees, contractors, or recipients and manage everything from one dashboard - or sign up direct and get started without a lengthy integration. Expense management, travel budgets, incentive payouts: all in one place.
For platforms & partners
Build card programmes into your product. Use our BIN sponsorship, white-label cards, and API to issue under your brand - with B4B Payments handling the regulatory and operational heavy lifting behind the scenes.
Physical, virtual, and white-label.
Physical cards
Embossed or non-embossed Mastercard and Visa cards, delivered to cardholders or loaded in bulk. Available with your branding.
Virtual cards
Instant issuance via API or dashboard. Ideal for online spend, single-use transactions, and digital-first programmes where speed matters.
Debit BINs with prepaid funding
Cards issued on debit BINs, funded with prepaid e-money - combining the familiarity of a debit card with the control of a prepaid account. Widely accepted and optimised for business spend.
White-label & BIN sponsorship
Put your brand on the card. We provide the Mastercard/Visa BIN, the regulatory licence, and the operational stack - you own the cardholder relationship.
Built for business spending.
Employee expenses
Replace manual claims with a card per person. Set limits, restrict categories, and pull a reconciliation report instantly.
Travel & field teams
Multi-currency cards ready for international travel. Top up in EUR, GBP, or USD and let teams spend without conversion friction.
Incentives & rewards
Distribute reward or gift cards at scale - to employees, customers, or channel partners - without touching your payroll system.
Disbursements & payouts
Move money to cardholders fast. Works for gig-economy payouts, insurance settlements, or any programme that needs to put funds in people's hands quickly.
Built for embedded card programmes.
Charities & NGOs
Issue cards to beneficiaries and caseworkers. Restrict spend by category, monitor usage, and maintain full audit trails.
Media & advertising
Give creative and media teams dedicated cards for platform spend. Cap budgets, track by campaign, and reconcile without manual intervention.
Embedded programmes
Offer your customers a card as part of your product. We handle the compliance, issuing, and processing; you handle the experience.
Fintechs & marketplaces
Add card issuance to your stack via API. Full white-label capability, with segregated sub-accounts and real-time webhooks.
Spend control built in from day one.
Granular spend controls
Set daily, weekly, and monthly limits per card or cardholder. Block or allow specific MCC categories.
Team & individual management
Manage cards at the programme level, by team, or per individual from one admin dashboard.
Approval workflows
Route load requests and limit changes through an approval layer before funds move.
3DS, KYC & KYB
Strong Customer Authentication built in. Onboarding with full KYC (individuals) and KYB (businesses) to stay compliant.
Flexible loading & unloading
Fund cards from your pooled account in real time. Sweep unused balances back automatically.
Reporting & integrations
Export to your accounting or ERP system. Webhooks and API access for real-time transaction data.
A regulated issuer with a full-stack platform.
FCA authorised and Bank of Lithuania licensed
Authorised by the FCA (UK) and licensed by the Bank of Lithuania (EU), with US card issuing via Cross River Bank, Member FDIC. Client funds are safeguarded under e-money regulation.
Mastercard & Visa
Dual-scheme issuing membership means wider acceptance and flexibility in how you structure programmes.
Banking Circle Group
Part of one of Europe's leading financial infrastructure groups, with the balance sheet and operational depth that brings.
Full-stack platform
Cards, accounts, payments, and FX in a single platform. No patching together multiple providers.
UK, EU & US coverage
Operations and support across three regions, with local regulatory coverage in each.
Named expert support
A named account manager with deep sector knowledge.
Next step
Ready to issue cards? Talk to us or get started direct.
Whether you want to plug into our API, build a partner programme, or simply get cards in your team's hands - we'll find the right fit.