Switched-on
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,
anywhere
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
compliant
Prevent unauthorised spend, reduce fraud risk and stay compliant with KYC checks, biometric logins and instant card blocking.
Digital
first
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 corporate payment 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.

Payments
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.

Integration
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

What could B4B do for you?
Our clients are always finding new ways to use expense, incentives and payout cards.

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

Pharmaceutical
- Pay pharmaceutical trial participants
- Expenses for remote participants

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

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

Charity
- Fund volunteers’ expenses
- Charity recipient payments

Gaming
- Pay out prize or gaming winnings
- Casino or betting payout
- Pay affiliate commission

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

Incentives
- 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
- Insurance payouts
- Customer referral rewards
Why B4B?
With over 15 years of expertise in payments and now as part of the Banking Circle group of companies, B4B Payments is a globally recognised and trusted provider of card issuing and payment services.







Thousands of businesses are already saving time, money and hassle with our switched-on card and payment services.
Find out more about how B4B Payments could work for you