The card issuance and payout platform built for US business.

Issue branded cards, pay contractors, distribute funds, and manage spend - all from one platform. Direct for your business, or embedded into your product. Powered by Cross River Bank.

The financial platform for business — B4B Payments illustration

Visa card issuance: US
also operating across: UK + EU
card issuing partner: Cross River Bank
infrastructure for business: Since 2006

Partners

Regulated bank infrastructure

Partner (US)

Direct and embedded solutions

Direct for your business. Or embedded into your platform or product.

For businesses and enterprise

Card issuing, ACH payments, and spend management - direct for your business from B4B Payments.

Built for businesses that need card issuing, ACH payments, and spend management - for standard requirements and support for more complex needs, your compliance profile, and commercial model.

Solutions for Businesses

For platforms & partners

Add payouts to your platform. Keep your customers closer.

B4B Payments' embedded card and payout infrastructure lets SaaS companies add financial features without a bank license, compliance overhead, or engineering overruns.

Solutions for Partners - Vertical SaaS

For platforms & partners

Add payouts to your platform. Keep your customers closer.

Accelerated time to market.

Pre-built compliance, bank sponsorship via Cross River Bank, and a robust API mean your team can ship payment features instantly without waiting on licenses or infrastructure negotiations.

White-label from day one.

Cards, the cardholder app, and the management web app all carry your brand. Your customers see your product - B4B Payments powers it behind the scenes.

New revenue. Stickier customers.

Platforms that embed financial services see measurably higher retention and increased lifetime value. Payouts keep your customers inside your ecosystem instead of routing them to a third-party tool.

The challenge

Payments can be fragmented and inflexible.

Card issuing through one provider. ACH payments through another. Spend management in a spreadsheet. Multiple vendors, limited integration, and generic support when you need it.

Card issuing, ACH payments, and spend management spread across multiple providers
Lack of visibility across teams, entities, and spend
Complex or high-volume requirements that standard fintech products won't accommodate
No named support - just ticket queues and changing contacts

B4B Payments integration and flexibility

We bring it together - in one flexible platform.

One platform. Card issuing, ACH payments, spend management - integrated and powered by Cross River Bank, Member FDIC. Web, mobile, and API. Compliant and audit-ready. With dedicated support available.

One platform for card issuing, payments, and spend management
Visibility across entities and spend in one view
Specialist expertise in complex compliance and bespoke programs
Named account managers with deep sector knowledge

Solutions

Solutions serving a range of business sizes, industry needs, and partners

Direct for your business - from standard requirements to more complex needs

Business and Enterprise options for direct business customers - accounts, payments, cards, and spend management

Business segments

Solutions for a range of industries and use cases

Established capabilities and experience in travel, public sector, professional services, and more

Industries

Flexible embedded solutions and other partnership models for partners

Solutions for partners, platforms, SaaS providers and fintechs looking to embed financial solutions and explore other flexible partnership options.

Partners

Recognition

Industry recognition.

Card and Payments Awards (CAPA 2025)

B4B Payments Recognised as Finalists

Global Fintech Awards

Winners of the Partnership Award

IMA Europe

B4B Payments Highlighted on the Future of Incentives

Get started

The financial platform for business.

See how B4B Payments brings accounts, payments, FX, cards and spend management into one flexible platform.