Solutions · Partners
Launch financial products without building the stack.
Partners, platforms, SaaS providers and fintechs looking to embed accounts, payments, FX, and cards with API-first infrastructure. BIN sponsorship and other flexible partnership models, with compliance, regulatory, and scheme network connectivity support built in.
Accelerated
launch path vs building direct
UK + EU + US
tri-jurisdictional coverage
Accounts, payments, cards
core embedded capabilities
Custom
partner commercial models
Partnership models for businesses at different stages.
B4B Payments offers a range of partnership models for businesses at different stages of their payments journey.
BIN Sponsorship
Launch a card programme without applying for your own licences. We manage the processor relationship, scheme licences, and regulatory compliance. Launch in weeks, not months.
Settlement Only
For regulated EMIs or PIs with their own compliance infrastructure that need scheme access, subject to your specific licence and permissions. You manage your own scheme relationship. B4B Payments provides the settlement rails and banking infrastructure.
Full Scheme Membership Support
For regulated EMIs with their own scheme permissions and issuing platform. B4B Payments, via Banking Circle Group, provides the banking backbone: safeguarding, accounts, and payment rails.
Banking Circle Direct
The graduation path. Fully licensed EMIs with sufficient scale can move to a direct Banking Circle relationship - remaining within the group and retaining continuity of infrastructure.
The full B4B Payments stack, embedded in your platform.
Partners aren't limited to card programmes - embed any part of the B4B Payments product suite, individually or together.
Business Accounts
Accounts in multiple currencies with virtual accounts or VIBANs.
Payments & FX
Local, instant, and cross-border payments on one platform.
Cards
Expense, payout, and incentive cards - physical and virtual, issued across the UK, EU and US.
Spend Management
Spend and expense management - cards, receipt capture, and spend visibility.
Platform types we work with.
Marketplaces & Payment Platforms
Give each merchant or seller their own virtual account or VIBAN to collect payments automatically - built for marketplaces, payment initiation services (PISPs), and any platform that needs to route funds to many recipients. Real-time API notification the moment funds arrive.
Expense Management Software
Embed branded corporate cards and global payments. Business accounts in EUR, GBP, USD, and DKK.
Accounting Platforms
Embed payment accounts, global payments, and corporate expense cards directly into your product.
Payroll & HCM Software
Global bank payments for employees with bank accounts. Payout cards for employees without. Multi-currency, multi-country, API-first.
PropTech
Virtual accounts or VIBANs per property or landlord to automate rent reconciliation. Pay out to vendors via Faster Payments, SEPA, ACH, and SWIFT.
B2B Lending & Invoice Financing
Instant payout via virtual cards. Virtual accounts or VIBANs per loan or debtor for automated reconciliation.
BIN Sponsorship
Launch your card programme while your scheme membership progresses.
- For regulated EMIs and PIs progressing towards their own card scheme membership, B4B Payments can extend its own Mastercard and Visa membership as a bridge, subject to your specific licence, permissions, and scheme approval.
- Issue cards under your own brand name with your own T&Cs - your customers see your brand throughout.
- Custom interface via API or through the B4B Payments platform.
- Fund safeguarding and account management throughout the programme.
- Settlement-Only service available for regulated EMIs with their own compliance infrastructure that need scheme access.
- Mastercard Principal Member (UK and EU) and Visa Partner (US).
- Physical and virtual card programmes supported, including tokenised cards for Apple Pay and Google Pay.
- We will give you an honest assessment of whether BIN Sponsorship is the right route for your programme before we start.
Key takeaway
The BIN Sponsorship path connects to the broader Banking Circle lifecycle - from initial programme launch through to full scheme membership, and for those with sufficient scale, the option of a direct Banking Circle relationship. Eligibility for EMIs and PIs is assessed individually against your regulatory permissions and the relevant card scheme's requirements.
Implementation and ongoing support
What B4B Payments provides.
- Scheme rule guidance throughout the programme lifecycle.
- Regulatory liaison and compliance support.
- BIN setup and management.
- Reconciliation and settlement support.
- Ongoing programme support and rule-change management.
EMI Licensing
Operate under B4B Payments e-money licences.
- Partners may be able to operate under B4B Payments FCA (UK) and Bank of Lithuania (EU) e-money licences, removing the need to obtain their own EMI authorisation.
- Regulatory coverage extends to accounts and payment services more broadly, not just card programmes - enabling partners to offer a wider range of financial products.
- Suitable for non-regulated businesses looking to offer payment services without obtaining their own EMI authorisation.
Key takeaway
Subject to the applicable partnership model, regulatory requirements, and programme approval.
White-label card programmes
Launch a branded card programme under your own brand.
Physical, virtual, and wallet-ready cards - fully branded to your business. B4B Payments handles scheme compliance, card processing (via Thredd), and regulatory oversight.
- Co-branded cards (B4B Payments + your brand) available on any partnership model.
- Fully custom-branded cards.
- App branding available for larger programmes.
- Cards issued in EUR, GBP, or USD.
- Apple Pay and Google Pay provisioning from day one.
- 76% recycled materials, Mastercard eco-friendly certified.
Why B4B Payments as your partner
Speed, coverage, and regulated infrastructure.
- Speed to market
- Tri-jurisdictional coverage: FCA (UK) + Bank of Lithuania (EU) + Cross River Bank (US) from a single integration.
- Post-Brexit regulatory bridge: dual UK/EU coverage without maintaining two separate licensing relationships.
- Banking Circle Group backing: partner funds held within a banking group with a full banking licence.
- Subject to the applicable partnership model and regulatory requirements, B4B Payments can manage KYB, KYC, and transaction monitoring.
- One relationship, one platform, one infrastructure provider - covering accounts, payments, cards, and the full regulatory lifecycle.
- Full product stack: accounts in multiple currencies, payments, FX, cards, and spend management - available through the same partner relationship.
Key takeaway
Fintech Partner of the Year - UK Fintech Awards 2025. Partnership Award - Global Fintech Awards 2025.
Next step
Explore a launch model that fits your platform roadmap.
Use the partnership team to review integration approach, compliance scope, and commercial structure.