card services

Whoever you need to get funds to, take control of your spend with our card management platform. 

Your cards,
your way

It’s easy to customise your cards. Choose physical or virtual, add branding, set store or spend type restrictions and more via our powerful platform.

Pay anybody,

No bank account? No problem! 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, biometric logins and instant card blocking.


Cards can be added to Apple or Google wallets for seamless mobile payments, and virtual cards make distribution a breeze. Read more

More flexibility, more control

Cardholders can spend in millions of locations worldwide. Keep control with real-time transaction data, photo receipts and API integration.

Our card services

Effortless expenses

Never lose a VAT receipt again! Our cards take the hassle out of managing petty cash or expense processes whilst giving more visibility and control of spending than ever before. Send money to remote or travelling employees instantly by loading cards via the online platform or set an auto top-up.

  • 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

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 based overseas, 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

A branded card gives unparalleled flexibility for gaming, cashback or disbursement fund payouts, whilst driving customer loyalty and repeat purchase. Recipients have full control over their funds, with the option to make ATM withdrawals or shop in mil-lions of locations worldwide.

  • Easily pay out gaming wins or cashback
  • Easy card issuing with no loading fees
  • Make and receive global payments
  • Save on FX transaction costs with transparent and low fees

Engaging incentives and rewards

The best incentive is the ability to choose a gift for yourself. 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

Our one-stop solution

We offer everything you need to launch a card programme in a single turnkey solution, with advanced features, full flexibility and industry-leading security.

Our Cards

Our cards are available as contactless physical cards (made of a sustainable eco-friendly plastic), or virtual cards delivered via email. Choose our blue B4B branding or add your own logo and designs.

Cardholder app

Our iOS and Android app allows cardholders to view their balance and transactions and upload photo expense receipts, with the latest biometric login features for the highest levels of cardholder security.

Online platform

Use our management portal to issue, activate and manage cards, load funds, and access in-depth reporting features. Our secure portal is accessible only via your company’s fixed IP address or a secure VPN portal.


Wherever you’re doing business, it’s easy and costeffective to make and receive international payments in multiple currencies, with faster processing and more control over foreign exchange fees.


Our payment system integrates seamlessly with Xero for easy accounting and rec-onciliation. Use our robust API to integrate with a huge range of software platforms, or build your own embedded solution.

How it works

Load Issue Personalise Report Monitor Pay Control
Add funds to your issued cards via your management platform, individually or in bulk, or set daily auto top ups to a defined limit. Finds 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.
Send and receive global multi-currency payments using SWIFT, Faster Payments, CHAPS, SEPA, ACH and more, at the current exchange rate with no hidden fees, via our platform or using our API.
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


  • Pay out 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

Optimising payment processes with B4B Payments

Whether you’re looking to optimise your own B2B payments services or provide innovative fintech payment opportunities, B4B payments can help you achieve your goals quicker and more easily than ever before.

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© 2006 - 2022 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, 275 Grove Street, Suite 2-400 Newton, MA 02466