Category: Company News

As Banking-as-a-Service (Baas) continues to reshape how financial products are delivered and consumed, the conversation around infrastructure is becoming more critical than ever. At Money20/20 Europe, B4B Payments returns not just to exhibit, but to explore how financial infrastructure can serve as a catalyst for innovation, scalability, and regulatory confidence.

With nearly two decades of experience in the regulated payments space, we’ve seen the industry shift from launching simple prepaid products to powering the Baas platforms that underpin today’s most ambitious financial services. In this new landscape, scalable, compliant infrastructure isn’t a nice-to-have- it’s essential.

Why BaaS Requires Rethinking Infrastructure

BaaS is opening the doors for non-financial companies to offer financial services—from digital wallets to corporate cards and beyond. But the backend is complex. The success of these offerings hinges on infrastructure that supports:

• Regulated BIN sponsorship across multiple geographies
• Real-time settlement and safeguarded accounts
• Modular integration to accelerate product launch
• Ongoing compliance, KYC, and scheme requirements

At this year’s Money20/20 Europe, we’re bringing insights from real-world partnerships that show how financial infrastructure is evolving to meet these demands.

Real-World Applications: Powering BaaS Expansion Across Europe with Weavr

This partnership illustrates that Banking-as-a-Service isn’t just about APIs—it’s about trust, regulation, and operational precision. By integrating B4B’s robust and regulated payment capabilities into Weavr’s dynamic orchestration platform, we’re enabling companies across the UK and Europe to launch, manage, and scale embedded payment solutions with greater flexibility and speed.

Through this collaboration, Weavr has expanded its ability to offer flexible, localised payment capabilities to its customers across the UK and Europe. This includes support for Visa schemes, multi-currency transactions, local IBANS, and cross-border transfers – empowering businesses to meet the demands of modern, borderless commerce.

Innovators can now focus on product development and customer engagement, while our infrastructure handles the heavy lifting of compliance. Together, Weavr and B4B are helping to shape the future of embedded finance – securely, efficiently, and one step at a time.

Card Innovation at Scale with Thredd

Our collaboration with Thredd underscores the importance of deep integration between issuer processing and BaaS infrastructure. At Money20/20 Europe, we’ll walk through the behind-the-scenes mechanics of launching and scaling a card programme in regulated environments, offering practical takeaways for attendees navigating a complex Financial landscape.

Together, we are demonstrating how advanced orchestration and regulatory licensing can be unified to reduce time to market and eliminate unnecessary complexity.

From Prepaid to Banking as a Service: The Evolution of Infrastructure

The move toward BaaS marks a fundamental shift in the financial services model. Where once companies relied on legacy institutions for every element of service delivery, they can now build tailored offerings using modular infrastructure, if they have the right partners in place.

At B4B Payments, our journey from prepaid provider to core infrastructure partner reflects this shift. Today, we work behind the scenes to enable everything from fintech apps and payroll platforms to sector-specific financial tools, allowing them to build, launch, manage, and grow confidently while operating compliantly and scaling globally.

“What sets B4B apart is our ability to simplify the complexity of payments infrastructure. Whether you’re a fintech looking to scale across regions or a platform embedding financial services, we bring the licensing, compliance, and expertise that help turn your vision into a live programme.” — Brian Lawlor, Group Chief Commercial Officer, B4B Payments

As we return to Money20/20 Europe, we’re reminded that global growth is never a solo journey. It takes the right infrastructure, regulatory insight, and trusted partnerships to move things forward.

If you’re a fintech, platform, or financial services provider exploring how to embed payments, we’d love to connect. At B4B Payments, we offer the experience, tools, and flexibility to help you build and scale together.

📍 Let’s Meet in Amsterdam, Hall 1 *Stand 8B70

Explore scalable, compliant card issuing and embedded payments through our tailored workshops, designed for fintechs, platforms, and innovators. 

Join us to:

Dive into our scalable Banking-as-a-Service infrastructure.

– Navigate compliance with expert regulatory guidance.

– Explore integration strategies for embedded payments.

– Get hands-on with real-world use cases and tech demos

– Connect in interactive online or in-person sessions tailored to your needs.

Build smarter. Scale faster. Stay compliant.

We’re excited to share that B4B Payments has been featured in PIF’s April blog. The article highlights how our award-winning Banking-as-a-Service (BaaS) platform is supporting business growth across industries.
As companies seek agile and scalable financial solutions, our BaaS platform empowers them with embedded payment capabilities, streamlined card issuing, and robust compliance support.

We’re excited to welcome Weavr.io as a partner we’re proud to power. Thank you to the team at Weavr for trusting our infrastructure to accelerate the next generation of embedded finance solutions.

Through this collaboration, B4B’s robust payment capabilities are now integrated into Weavr’s orchestration platform, enabling companies across the UK and Europe to launch, manage, and scale embedded payment solutions with increased flexibility and speed.

By combining Weavr’s dynamic embedded finance technology with B4B’s regulated infrastructure, we’re helping to shape the future of embedded payments—securely, efficiently, and one step at a time.

We are excited to announce that we are finalists in two prestigious categories at the upcoming UK FinTech Awards 2025: FinTech Partner Award and Team of the Year. This recognition is a testament to our ongoing dedication to delivering innovative and efficient financial solutions for our clients and to the incredible efforts of our team, whose passion and hard work continue to drive our success.

Fintech Partner Award

The FinTech Partner Award celebrates companies consistently providing partnerships in the fintech sector, driving their clients’ growth, innovation, and success. B4B Payments has always prided itself on its customer-centric approach, ensuring that our Banking-as-a-service solutions are tailored to meet each partner’s unique needs. Being recognised as a finalist in this category reaffirms our position as a trusted and reliable partner for businesses across industries.

Team of the Year

The Team of the Year nomination reflects our employees’ dedication, talent, and hard work, who consistently go above and beyond to ensure our clients & partners receive the best possible service and innovative solutions. From our tech experts developing cutting-edge payment solutions to our business development managers forging strong client & partner relationships and our dedicated account managers working to ensure our partners’ needs are met. Our team plays an integral role in shaping the future of payments. This recognition serves as an acknowledgement of the passion, commitment, and teamwork that have helped us achieve success.

Being named finalists in these two competitive categories is not just a win for B4B Payments. Still, it’s a reflection of the trust our clients place in us, the strength of our partnerships, and the relentless commitment of our team to push boundaries in the fintech space.

Looking ahead, B4B Payments is excited to continue working alongside partners and clients to drive innovation and shape the future of the payments industry.

Managing payroll and disbursements in the public sector comes with unique challenges. Government agencies and institutions often handle benefits distribution and departmental expense management—requiring secure, efficient, and cost-effective solutions. As an approved supplier on the Crown Commercial Service (CCS) Fund Administration & Disbursement Services DPS (FAADS) framework, B4B Payments simplifies procurement for public sector organisations, ensuring compliance and transparency in payout transactions.

Traditional payment methods, such as bank transfers and cheques, can lead to delays, increased administrative workload, and inefficiencies that impact both employees and vendors. Prepaid card services offer a modern alternative, simplifying financial management while ensuring timely and secure transactions.

Businesswire report shows that The UK’s prepaid card market is projected to grow at a CAGR of 10.5% between 2022 and 2026, potentially reaching a value of US$65.54 billion. This growth reflects the increasing adoption of prepaid solutions in both government and private sectors.

The Challenges of Public Sector Payroll and Disbursements

Public sector entities face several challenges when managing payroll and payments:

• Administrative Complexity – Processing payroll for government employees, contractors, and social benefits recipients often involves multiple financial institutions, increasing complexity and often leading to bank fees and cheque processing costs, making traditional methods expensive and less sustainable.
• Payment Delays – Bureaucratic hurdles can slow down payroll processing, affecting employees and beneficiaries. Some employees and citizens receiving government benefits may not have access to traditional banking, complicating payment distribution.
• Fraud and Security Risks – Paper-based payment systems are vulnerable to fraud, mismanagement, and compliance risks.

How Prepaid Card Solutions Support the Public Sector

Prepaid card services provide an innovative solution that enhances financial efficiency, stimulates local economies, and provides security for government payroll and other disbursements. Local councils can promote ‘Shop Local’ prepaid cards to support small businesses in the area. 

Here’s how prepaid cards benefit the public sector:

1. Enhanced Security and Compliance

With advanced fraud protection features such as real-time tracking, spending controls, and two-factor authentication, prepaid cards offer a secure way to disburse public funds. Additionally, they ensure compliance with government financial regulations and anti-money laundering (AML) policies. In 1997, The UK government introduced Government Procurement Cards to streamline purchases and support prompt payments, demonstrating the efficiency of prepaid solutions in reducing administrative burdens.

2. Cost Savings and Budget Control

Government agencies can reduce administrative costs associated with paper-based payroll and expense management. Prepaid cards also allow for better budget tracking, as funds can be allocated to specific use cases, such as travel expenses, departmental budgets, or one-time government disbursements.

3. Seamless Expense Management

Prepaid cards offer detailed reporting and spending controls for public sector organisations managing operational expenses. Departments can allocate budgets to prepaid cards for travel, training, or procurement, ensuring responsible spending while minimising reimbursement processes.

Prepaid Cards in the Public Sector

The UK’s public sector is increasingly leveraging prepaid cards for financial disbursements. Governments worldwide are adopting prepaid card services to streamline payroll and payments across multiple sectors:

• Social Benefits Disbursement – Welfare, unemployment benefits, and pension payments can be loaded onto prepaid cards for easy access.
• Travel and Expense Management – Prepaid cards help government officials and civil servants manage travel expenses.
• Emergency and Disaster Relief Funds – Quick distribution of aid and relief funds during crises.
• Vendor and Contractor Payments – Faster, more secure payments to suppliers and contractors working with government institutions.
• Payout Programs – Public sector agencies can leverage B4B Payment solutions to disburse funds using virtual and physical MasterCard cards for specific payout programs.
• Food, Childcare, and Heating Vouchers – Prepaid cards ensure easy and controlled distribution of welfare vouchers to beneficiaries.
• Return of Overpayments – Government agencies can refund excess payments seamlessly through prepaid card solutions.
• Hardship Payments – Securely providing emergency financial support to individuals in need.
• Care or Fostering Expenses – Prepaid cards offer a streamlined method for distributing funds to foster parents and caregivers for child-related expenses.

The Benefits of Prepaid Cards for the Public Sector

As governments modernise financial processes, prepaid card solutions provide an ideal balance between efficiency, security, and cost savings. B4B Payments is an approved supplier of the CCS Fund Administration & Disbursement Services DPS (FAADS) framework, making it easier for public sector bodies to procure regulated and compliant payment solutions. From local councils to national procurement strategies, prepaid cards are a proven tool for simplifying financial management in government operations.

At B4B Payments, we offer a variety of prepaid card solutions that are accepted globally and have been built on our 19 years of experience in the business, perfect for government agencies to simplify financial management while enhancing security and compliance.

Interested in exploring prepaid card solutions for your organisation? Contact B4B Payments today to learn more.

The PropTech industry is undergoing a digital revolution, leveraging cutting-edge technology to optimise property transactions, management, and financing. As the market grows—projected to reach $86.5 billion by 2032 (Source) —payment solutions remain crucial in driving efficiency and scalability. Traditional methods often fall short, causing delays, inefficiencies, and administrative bottlenecks. B4B Payments offers an advanced, seamless, and scalable payment solution that streamlines financial operations across the PropTech ecosystem.

Modern digital payment solutions have reshaped financial transactions in PropTech. According to Statista, real-time payments in the UK are expected to continue growing, with instant payments comprising nearly 10% of overall payments in 2023 and anticipated to increase further by 2028. (Source). While this data encompasses all sectors, the real estate industry’s growing adoption of digital payment solutions suggests a significant contribution to this growth. Factors such as the rise of PropTech innovations, the demand for seamless transaction processes, and the global shift towards cashless payments are driving this trend.

These advancements drive efficiency, reducing transaction times and enhancing financial transparency.

Addressing Payment Challenges in PropTech

PropTech businesses, including property developers, estate agents, and construction firms, face persistent challenges in financial transactions, such as delayed payments caused by traditional banking processes that hinder cash flow and disrupt project timelines. These businesses also struggle with cumbersome expense management systems, navigating the complexities of tracking costs related to travel, supplies, and marketing. Reliance on manual payment methods for vendors and contractors slows transactions and amplifies administrative workloads. At the same time, the absence of streamlined systems for client and employee incentives limits opportunities to foster loyalty and motivation through structured rewards. Together, these issues underscore the need for innovative financial solutions tailored to the PropTech sector. 

B4B Payments provides innovative prepaid and digital payment solutions tailored to PropTech businesses, offering an agile and secure way to handle financial transactions:

Business & Employee Expense Management:

• Prepaid cards simplify travel expenses, office supplies, and project-related purchases with real-time tracking.
• Customisable spending limits ensure controlled financial management.

Client Incentives & Commission Payouts:

• Estate agents can leverage prepaid cards to reward client referrals and successful property transactions.

Corporate & Tenant Rewards:

• Property developers can provide prepaid cards as rewards for lease renewals and community engagement.
• These cards can cover utility payments and on-site amenities, enhancing tenant satisfaction.

Vendor & Subcontractor Payments:

• Digital payment solutions enable quick, secure, and automated transactions for service providers, subcontractors, and suppliers, reducing reliance on manual transfers and streamlining operations.

As PropTech payments evolve, businesses need a flexible, scalable, and secure payment infrastructure. B4B Payments delivers a future-proof solution by offering both prepaid cards and digital payment options to meet diverse financial needs.

Prepaid cards provide a controlled, efficient way to manage vendor, client, and employee expenses, ensuring funds are allocated securely and conveniently. Digital payments automate transactions, streamline cash flow, and ensure compliance, enabling faster and more seamless financial operations.

With real-time insights and advanced reporting, property developers, estate agents, and construction firms can optimise financial workflows, control spending, and accelerate payments.

🚀 Want to transform your PropTech payment processes? Contact B4B Payments today to explore how our tailored solutions can drive efficiency in your business!

We’re proud to support Human Appeal’s mission to provide critical aid worldwide. B4B Payments’ secure and efficient payment solutions help streamline fund distribution, ensuring donations reach those in need faster.

From emergency relief to long-term development projects, our prepaid card solutions empower humanitarian organisations to deliver aid swiftly & effectively.

Learn how B4B Payments is driving impact in global relief efforts.

We’re excited to share that B4B Payments has been featured in The Payments Association’s latest article, showcasing insights from our whitepaper on optimising accounts payable. 

As businesses navigate the shift towards digital payments, our payment solutions help streamline accounts payable automation, reduce inefficiencies, and improve financial control. 

Learn how embedded payments and automated AP solutions are transforming financial operations.

We’re excited to share our collaboration with Gilgal, a charity dedicated to supporting survivors of domestic violence, as part of our ongoing mission to provide innovative digital payment solutions. In the January 2025 edition of CRA Blog, we showcase how B4B Payments have helped charities transition from cash-based systems to cashless payment solutions, streamlining financial processes and improving operational efficiency.