Products · Platform API
Build direct. Or power your platform.
The B4B Payments API gives you programmatic access to card issuance, payments, FX, and account management - for your own business, or to embed financial services into your product.
Cards & Payments
full API coverage
21 currencies
FX and multi-currency
REST API
with webhooks and event streaming
BIN sponsorship
and embedded finance ready
For your business - or for your platform.
Finance and operations teams
Automate card issuance, expense management, payments, and FX for your own business - without manual steps in the web app.
Platform and SaaS businesses
Embed card programmes, virtual accounts or VIBANs, and payment capabilities into your product - so your customers can transact under your brand.
BIN sponsors and regulated partners
Launch a card programme or payment product with B4B Payments as your regulated infrastructure - under an agent, distributor, or standard partner arrangement.
One API for cards, payments, FX, and account management.
Card issuance and management
Issue physical and virtual cards, manage card orders, set and update limits, and load or unload funds - all via API.
Payments and beneficiaries
Create and manage beneficiaries, submit single payments across local and SWIFT rails, and retrieve transaction history.
FX and currency conversion
Request spot FX quotes and held rates - lock in a rate for up to 24 hours before settlement.
Virtual accounts or VIBANs
Assign virtual accounts or VIBANs to collect inbound payments and segregate funds at entity level.
Cardholders and company data
Manage cardholders, retrieve company and account information, and maintain entity structure through the API.
Webhooks and event notifications
Subscribe to real-time events - card transactions, payment status, FX conversions, load events, and more - to keep your systems in sync.
Platform and BIN sponsorship
Manage your customers through the API.
- Create and manage client companies, including onboarding documents and identity data
- Issue cards and manage cardholders on behalf of your customers
- Set up and manage beneficiaries and payments for each client entity
- Assign virtual accounts or VIBANs to client entities for inbound fund collection
- Access addresses, people records, and compliance documents per entity
- Health check endpoint to monitor API availability
Key takeaway
This capability is designed for partners operating under a BIN sponsorship or embedded finance arrangement. Access is subject to agreement and regulatory approval.
Partnership models for every stage.
B4B Payments supports a range of regulatory arrangements for partners looking to embed financial services or launch their own products. The right model depends on your regulatory status, customer relationships, and go-to-market approach - talk to our partnerships team to find the right fit.
BIN Sponsorship
Launch a card programme without applying for your own licences. We manage the processor relationship, scheme licences, and regulatory compliance - so you can launch in weeks, not months.
Settlement Only
For regulated EMIs or PIs with their own compliance infrastructure that need scheme access, subject to your specific licence and permissions. You manage your own scheme relationship. B4B Payments provides the settlement rails and banking infrastructure.
Full Scheme Membership Support
For regulated EMIs with their own scheme permissions and issuing platform. B4B Payments, via Banking Circle Group, provides the banking backbone: safeguarding, accounts, and payment rails.
Documentation and getting started.
API reference
Full endpoint documentation, request and response schemas, authentication, and code examples - available in our developer docs.
View API referenceGetting started
New to the B4B Payments API? Our getting started guide walks through authentication, your first API call, and common integration patterns.
Read the getting started guideA single, regulated partner for cards, payments, and embedded finance.
FCA regulated
B4B Payments is FCA authorised - giving you and your customers confidence in the regulatory standing behind your product.
Cards and payments in one API
Issue cards, move money, manage FX, and handle virtual accounts or VIBANs - all through a single, consistent API, not a patchwork of providers.
Built for platforms
The API is designed to support multi-entity structures - Master account, entity accounts, and cardholder management - whether you are running your own programme or managing customers at scale.
European reach
Operate across the UK and Europe with support for SEPA, Faster Payments, SWIFT, and other rails - with accounts in multiple currencies.
Named expert support
A named account manager with deep sector knowledge.
Next step
Ready to build on the B4B Payments API?
Talk to our team about direct API access, platform integration, or an embedded finance partnership.