Accounts, payments, FX, cards, spend management - all in one flexible, scalable platform for businesses across the UK, EU, and US. Powered by Banking Circle.
Global Partners
Regulated bank infrastructure
Principal Member (UK and EU)
Partner (UK, EU and US)
Explore accounts, payments, FX, cards, spend management, multi-entity banking, and embedded finance from one flexible platform. Web, mobile, and API.
Expense, payout, and incentive cards - physical and virtual, issued across the UK, EU and US.
Learn moreSpend and expense management - cards, receipt capture, and spend visibility.
Learn moreReplace petty cash with prepaid cards. Set limits, capture receipts, categorise by team.
Pay contractors and remote staff instantly, in multiple currencies, no bank account required.
Issue cards for cashback, insurance disbursements and loyalty rewards - instant, global access.
Branded cards for acquisition, referrals and staff recognition. Open or closed loop, physical or virtual.
Built for businesses that need accounts, payments, FX, and cards across multiple currencies and entities - for standard requirements and support for more complex needs and your compliance profile, industry, or commercial model.
Solutions for BusinessesB4B Payments' embedded card and payout infrastructure lets SaaS companies add financial features without a bank license, compliance overhead, or engineering overruns.
Accelerated time to market.
Pre-built compliance, bank sponsorship via Cross River Bank, and a robust API mean your team can ship payment features 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.
Domestic payments through one provider. International payments and FX through another. Cards issuance and spend management through a different provider. Treasury in a spreadsheet. Limited support when you need it.
One platform. Accounts, payments, FX, cards, spend management - integrated and powered by Banking Circle. Web, mobile, and API. Regulated across the UK and EU. With dedicated support available.
Part of a regulated banking group - with access to Banking Circle's accounts, payment rails, and regulated infrastructure. The same group that can support your growth from start-up through to fully licensed.
FCA Authorised EMI in the UK · Bank of Lithuania Licensed EMI in the EU · Visa partner via Cross River Bank, Member FDIC (US)
A named account manager with deep sector knowledge from day one - not a support queue.
Business segments
Business and Enterprise options for direct business customers - accounts, payments, cards, and spend management
Industries
Established capabilities and experience in travel, public sector, professional services, and more
Partners
Solutions for partners, platforms, SaaS providers and fintechs looking to embed financial solutions and explore other flexible partnership options.
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
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See how B4B Payments brings accounts, payments, FX, cards and spend management into one flexible platform.
