Embedded card issuing
& payment solutions

Embedded card issuing
& payment solutions

Our turnkey white label card issuing services provide everything you need to launch a secure, flexible corporate funded payment card in weeks.

Scalable card issuing

Launch with ten cards or tens of thousands. Issue physical or virtual cards, or digital wallet credentials via Apple Pay or Google Pay.

Flexible and configurable

Use cards for everything from expenses and payroll to rewards and incentives, with configurable usage restrictions.

Stay in

Maintain full visibility and control over cards, balances and transactions in just a few clicks with our powerful online platform.

Secure and compliant

Prevent unauthorised spend and reduce fraud risk. We handle Know Your Customer checks for full compliance.

Powerful integration

Use our powerful management platform or integrate our services seamlessly with our robust, secure API.

User-friendly platform

View balance and transactions via cardholder app. Get payment notifications, send photo receipts, and stay secure with biometric ID+V.

Effortless expenses

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

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

Easy employee payments

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 payments for domestic and overseas employees and reduce cash and check handling costs.

  • Quickly pay gig workers, 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 while driving customer loyalty and repeat purchase. Recipients have complete control over their funds, with the option to make ATM withdrawals or shop in millions of locations worldwide.

  • Easily payout gaming wins or cashback
  • Simple 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 incent and reward customers and employees, 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 program in a single turnkey solution, with advanced features, total flexibility, and industry-leading security.

Our Cards

Our cards are available as contactless physical cards or virtual cards delivered via email. Choose our blue B4B branding or add your logo and designs.

Cardholder app

Our iOS and Android app allow 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, making and receiving international payments in multiple currencies is easy and cost-effective, with faster processing and more control over foreign exchange fees.


Our payment system integrates seamlessly with business software for easy accounting and reconciliation. Use our robust API to integrate with a vast range of accounting platforms or build your own embedded solution.

Whatever your business objective, we can help you grow with the power of scalable and secure payments


Businesses of all sizes can save time, money and hassle with our simple, powerful all in one card, payment and FX platform.


Our powerful embedded payments solutions can help you get to market faster, scale flexibly, and stay secure and compliant throughout.


Enhance your existing services with a flexible range of solutions, from fast and simple card issuing services to advanced account and payment features.

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

Why B4B?

With more than 15 years of expertise in payments and now part of the Banking Circle group of companies, B4B Payments is a globally recognized and trusted card issuing and payment services provider.

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

Stay up to date with the latest B4B and Fintech news

Please complete this form to create an account, receive email updates and much more.
  Please correct the marked field(s) below.
First Name  *
Last Name *
Company Name *
Email *
*Required Fields
Note: It is our responsibility to protect your privacy and we utilize standard industry measures to keep your data secure.

© 2006 – 2024 Payment Card Solutions (UK) Limited trading as B4B Payments is a financial technology company 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.