Products & Services

card services

Whether its for employees or customers, take control of your spend with our card management platform. 

Your cards,
your way

Choose between physical and virtual cards and customise to add a branded touch.

Pay anybody,

Send money to anyone, anywhere in the world in GBP, EUR or USD on a flexible prepaid card.

Secure and

Prevent unauthorised spend, reduce fraud risk and stay compliant with KYC checks.


Cards can be added to Apple or Google wallets for seamless mobile payments.

More flexibility, more control

Allow cardholders to spend globally while keeping control with real-time transaction monitoring through API integration.

Our card services

Effortless expenses

Never lose a VAT receipt again! Manage your expense processes more efficiently. Order, load and manage cards via the online platform and let your employees upload receipts through our mobile app.

  • Manage spending and reduce fraud risk
  • Load cards 24/7 or set auto top-up
  • Categorise spend by location or department
  • Automatically request in-app photo receipts

Painless payroll

Pay employees and affiliates simply and securely anywhere in the world.

No bank account? No problem! We make paying seasonal workers, contractors and affiliates a breeze. With no foreign transaction fees and a choice of currencies, cards are a simple way to manage payroll for employees contractors, affiliates and overseas employees, and reduce cash and cheque handling costs.

  • Easily pay contractors and affiliates
  • Avoid foreign transaction fees in receiving countries
  • Multi-currency support in up to 25 currencies
  • Send physical or virtual cards

Fast, secure payouts

Branded cards give unparalleled flexibility to disburse funds to large numbers of recipients fast, while building your brand equity. For example for gaming payouts, cashbacks, or refunds. Cardholders have full control over their funds and can use their cards globally, including ATM withdrawals.

  • Issue and distribute physical or virtual cards and distribute large numbers of physical or virtual cards
  • Cards can be branded and used globally
  • Cards can be used globally
  • Cardholders can withdraw funds from ATMs

Engaging incentives and rewards

Whether you’re targeting acquisition, retention or referrals, a branded card is an engaging way to incentivise and reward customers and employees alike, keeping your brand front of mind.

  • Simple incentive and reward payments
  • Closed-loop (one store only) or open-loop
  • Fully-branded cards and app
  • Encourage referrals, repeat business and more

How it works

Load Control Pay Monitor Report Issue Personalise
Add funds to your issued cards via your management platform, individually or in bulk, or set daily auto top ups to a defined limit. Funds reach your cardholders instantly.
Issue ten cards, or tens of thousands! Have us deliver to your cardholder’s address, keep a stock of cards on your premises ready for activation, or send virtual cards via email.
Make your cards stand out with personalised branding. If you’re issuing more than 200 cards, you’ll have the option to add your logo and designs to your cards and cardholder app.
Set your cards to closed-loop (in-store) or open-loop (spend anywhere). Restrict online transactions or ATM use if required. Unload or block cards instantly.
Use your card across the world in all Mastercard FX currencies
View real time statements, balances and transactions via our leading business payment platform. Automatically prompt cardholders to provide photo receipts for expenses via the cardholder app.
Easily categorise transactions for reconciliation. Connect seamlessly with Xero, or integrate with our robust API.

What could B4B do for you?

Our clients are always finding new ways to use expense, incentives and payout cards.


  • Pay contractors or freelancers
  • Replace your petty cash drawer
  • Pay seasonal or international employees
  • Remote staff expenses


  • Pay pharmaceutical trial participants
  • Expenses for remote participants


  • Pay food, childcare, or heating vouchers
  • Return of overpayments
  • Hardship payments
  • Care or fostering expenses


  • Manage school lunch money
  • Expense cards for international students
  • Student scholarships or rewards


  • Fund volunteers’ expenses
  • Charity recipient payments


  • Payout prize or gaming winnings
  • Casino or betting payout
  • Pay affiliate commission


  • Travel rep or guide expenses
  • Group travel spend management
  • Stranded passenger payments
  • Cruise passenger on-board spend


  • Pay cashback earnings
  • Reward staff achievements
  • Customer loyalty schemes
  • Staff bonuses or incentives
  • Training incentive programmes
  • Employee gifting

Logistics & Transport

  • Fuel cards for truck drivers
  • Travel subsistence for employees


  • Insurance payouts
  • Customer referral rewards

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© 2006 – 2023 Payment Card Solutions (UK) Limited trading as B4B Payments is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 930619). UAB B4B Payments Europe is authorised by the Bank of Lithuania as an Electronic Money Institution (Licence No: 76) under the Law on Electronic Money and Electronic Money Institutions 2011.

In Europe, Cards are issued by B4B Payments pursuant to license by Mastercard International Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

In the USA, the B4B Payments Visa® prepaid card is issued by Metropolitan Commercial Bank Member FDIC, pursuant to a license from Visa U.S.A. Inc. 40 Washington Street Suite 150 Wellesley, MA. 02481.

All communications should be sent to: Europe – PO Box 76256, London, SW1P 9NU. USA – B4B Payments, 40 Washington Street Suite 150 Wellesley, MA. 02481.

B4B wants to ensure our customers know that their security is of the utmost importance. As such, we will never ask you to tell us your passwords, card PINs or One-Time Passcodes (OTPs).

At B4B Payments, we have taken all necessary steps to secure customer data and protect their privacy. Our systems have been designed with numerous layers of encryption and stringent firewalls. We use a combination of biometrics, two-factor authentication and other methods when customers access our services online or via our app.