Tag: Payouts

We’re pleased to announce our participation in Money 20/20 Europe 2025, the premier event for the global fintech community. As part of our commitment to advancing digital payments and shaping the future of finance, our Chief Product Officer will also take the stage at Payments Innovation Day for the panel “AI in Payments: From Hype to Real Impact,” where industry leaders will explore how AI is delivering tangible transformation across the payments ecosystem.

We’re delighted to share that B4B Payments has been shortlisted for six prestigious categories at the PayTech Awards 2025. This recognition reflects our commitment to innovation, resilience, and purpose-built financial technology.

From empowering SMEs to building fraud-resistant infrastructure and delivering standout card programs, our platform is built to serve the evolving needs of businesses, charities, and fintechs worldwide.

Woman in PayTech – Marketing Leader

At B4B Payments, we’re proud to be led by exceptional women who are driving impact in the fintech space. This nomination celebrates the leadership, creativity, and strategic vision of our Head of Marketing, Jodie Taylor, whose work continues to raise the bar for brand storytelling, digital growth, and product marketing across multiple sectors. Her contribution to B4B’s rise as a trusted, scalable fintech partner is innovative and inspiring.

We’re grateful to see her work recognised by the industry, reflecting her dedication and vision in every initiative. As we look ahead, we remain committed to pushing boundaries, telling meaningful stories, and shaping the future of fintech with purpose.

Best Solution for Combatting Fraud in Payments

Compliance and confidence go hand in hand in a landscape shaped by regulation and innovation. At B4B Payments, we empower businesses with the tools to manage funds securely and confidently. Our platform combines real-time spend controls, advanced transaction monitoring, and a fully compliant infrastructure, ensuring safety, transparency, and peace of mind at every step.

Best Cross-Border Payments Solution – Payment Infrastructure

Global business requires seamless movement of funds, and we deliver exactly that. Our cross-border payment infrastructure enables efficient disbursement across multiple currencies via SEPA, Faster Payments, and SWIFT. With real-time API notifications and complete transaction transparency, we help organisations navigate international payments with speed and clarity.

Best Payments System for Verticals

From travel to education, each industry has its own challenges. That’s why we’ve designed a modular platform that adapts to different use cases, regulatory requirements, and operational needs. This nomination recognises the success of our industry-specific solutions that simplify workflows, reduce administrative burdens, and deliver financial flexibility where it matters most.

Best Business Payments System for SMEs

Agility is essential for growing businesses, and our platform is designed to support just that. We help organisations simplify financial operations, gain better oversight, and focus on what matters most: confidently scaling. By removing complexity, we make robust payment solutions more accessible and efficient.

Best Cards Initiative

Card programs are at the heart of what we do, and we continue to innovate beyond the plastic. From white-labelling options and instant issuance to mobile app controls and multi-currency support, our card solutions offer more than just payment; they offer freedom, control, and scalability, with each card containing up to 95% recycled R-PVC. This nomination highlights our work enabling partners to build tailored card programs that deliver real value to end users, keeping sustainability in mind.

Each of these nominations represents a core aspect of our mission at B4B Payments: to make payments smarter, safer, and more adaptable for every organisation we serve.

Learn more about our payment infrastructure, embedded finance capabilities, and scalable card solutions. Let’s build what’s next, together.

While new technology can open doors to innovation and disrupt legacy industries, rapid progress often comes with new responsibilities, such as in the LendTech sector. 

Along with faster, more inclusive lending models, the growth of LendTech is also exposing the sector to heightened scrutiny.

Payout speed, compliance with regulations, and secure expense management are among the key battlegrounds. 

This is where FinTech innovators, such as B4B Payments, can give lenders a critical edge.

Two types with one common need

LendTech is reshaping how lending is accessed, delivered, and managed. It plays a vital role in economic growth, enabling everything from household purchases to commercial expansion. 

Let’s take a closer look at the two types of LendTech:

• Consumer Lending, where platforms like Fair for You help individuals access credit for everyday items like appliances or furniture, often in partnership with major retailers.
• Corporate Lending, where leasing providers such as CF Commercial support businesses with financing for equipment, furnishings, or technology.

By digitising the lending journey from application and approval to disbursement of funds, providers can reach more customers, reduce overheads, and deliver better experiences.

But innovation faces a reality check in the form of regulatory complexity. UK Government legislation means that the industry must comply with some strict rules, especially when it comes to how payouts are made and who receives them.

Their key challenges include:

• Increasingly tight compliance and anti-fraud rules
• Restrictions on cash incentives and payouts to salespeople
• A need to control where and how funds are spent
• Delays and costs associated with traditional bank transfers or cheques

In addition to these heightened demands, both consumer and corporate lenders also share a common operational need: a fast, secure, and compliant way to disburse funds or commissions.

There’s increasing scrutiny around how payouts are made and tracked, particularly in the subprime or credit-sensitive lending space.

Whether a lender is issuing credit to a consumer for a washing machine or paying a salesperson their commission, the efficiency of the payout process matters. It’s important to both the recipient and the business. Many lenders still rely on outdated and slow methods like bank transfers or even cheques.

How payments technology can help 

Think of B4B Payments as your payouts partner. Using our technology, lenders can issue their own branded or unbranded virtual or physical Mastercard cards. These can be:

• Preloaded and controlled in real-time
• Restricted to approved merchants or categories (e.g. specific retailers)
• Delivered instantly via API integration

For example, Fair for You uses B4B’s card platform to allow borrowers to buy only from partner stores such as Argos or Habitat. The card is limited by merchant category code (MCC), ensuring the funds are used appropriately while keeping operations streamlined and compliant.

Out of the box speed, control, and flexibility

In a highly regulated space like lending, control over payouts is non-negotiable. B4B Payments offers a turnkey solution. That means everything from issuing cards to loading funds and then monitoring transactions is managed through one platform. This includes:

• A fully compliant, FCA-licensed EMI framework
• API connectivity to automate card creation and fund disbursement
• The option for ATM access via physical cards, if needed

Speed is also a differentiator. B4B clients can expect to launch a standard incentive program in as little as four to five weeks. Predictably, the main variable that can extend those timelines is the compliance processes.

Another challenge – building trust in a crowded market

New entrants in the LendTech space face a tough challenge: standing out in a competitive, reputation-sensitive market. A slick user interface and fast decision-making are important, but so is operational reliability. 

Problems in this area can mean processes don’t connect seamlessly, and the user experience is disrupted. Such negative experiences can quickly undermine the customer’s perception of your brand.

B4B supports lenders in delivering seamless financial experiences without the headaches of managing complex payment infrastructure. In sectors where customer satisfaction and speed of service are paramount, this can be a game-changer.

Moreover, B4B places a high value on long-term relationships. Once a lender has a great experience with B4B, they often refer others, so word of mouth is critical. The B4B team likes to stay closely involved, even after onboarding.

Lending with FinTech precision

As LendTech companies work to balance regulatory demands with commercial growth, the ability to move money quickly, securely, and with full control has never been more important.

In addition to straightforward implementation and card issuing, B4B cards also offer lenders the opportunity to grow trust and awareness in their business by branding their cards.

Ever-increasing regulation seems an inevitability, particularly in the consumer lending space. This is likely to take up more time and resources of lenders so finding new ways to automate everyday processes such as payments will help redress the balanced.

The property sector is long-established with legacy players now battling with new market entrants, known as PropTech. These are often dynamic start-ups that are quickly gaining ground through their use of new technology. 

But PropTech and its legacy competitors may have more in common than they realise when it comes to inefficient processes. While many startups are pushing boundaries with smart digital platforms, the industry continues to struggle with operational friction in areas like payments, reimbursements, and expense management.

These are the kind of inefficiencies that FinTech pioneer B4B Payments can help resolve.

A vital global industry

The property sector is vast, encompassing sales and rentals across domestic and commercial purposes globally. On an average day in the UK alone, more than 2,500 homes are purchased.

But for all its significance, the sector remains one of the slowest to adapt to technological change. 

Some forward-thinking start-ups have entered the market armed with new technology. These PropTechs are using their new tech to streamline and improve property-related services, driving long-overdue innovation in the sector.

A spectrum of tech adoption and resistance

The appetite for technology and automation varies greatly across the property sector.

Many traditional estate agencies still operate with outdated systems and manual workflows, including around payments. Some internal procedures may not have been changed for years, making them vulnerable to PropTechs eating into their profitability and market share. 

Common barriers to the adoption of technology include the complexity of integrating new systems and a lack of technical expertise, as well as data privacy or regulatory hurdles.

Manual processes also mean higher costs and create opportunities for human errors.

On the other end of the scale, PropTechs have taken major strides in solving some common pain points caused by outdated processes.  Remote property viewings and 3D virtual tours have eliminated the need for in-person appointments. This enables the sales teams to engage more potential buyers in the sales process. 

Paper forms and physical signatures, such as tenant referencing, contract signing, and rent payments, are now automated. They can now be completed in minutes via integrated online platforms. This creates efficiency benefits for the PropTech while making the whole process far more convenient for customers.

The common issue across the sector is payments

While they have solved some big problems, PropTech start-ups share some underlying issues with their less tech-savvy competitors.

Both rely on making and receiving payments and managing expenses as part of their business processes. Specific examples are likely to include:

• Paying maintenance providers or tradespeople
• Sending refunds to tenants or landlords
• Issuing incentives to estate agents
• Managing internal staff expenses

While PropTech businesses are competing by offering greater speed, better pricing, and a stronger customer experience, they often neglect the inefficiencies in these payment processes that happen every day. Legacy players in the property market could consider implementing technology and automation into their payment process as an entry point for the wider implementation of modern digital processes.

How smart payments accelerate property innovation

While most PropTech discussions focus on AI, automation, and data, a less visible—but equally critical—enabler is expense management and payment infrastructure.

B4B Payments makes a real impact in this area with its card-based payout solution. With virtual or physical Mastercard cards, payments can be made in real time. A virtual card can be issued within minutes. Whether it’s a refund or urgent maintenance job, the funds are there instantly—no waiting, no bank delays.

Plug-and-Play solution for legacy players and disruptors alike

B4B Payments offers a turnkey, fully regulated solution, authorised in both the UK and EU. Our clients don’t need third-party issuing partners or complex setups. Our system integrates easily via API and offers branded or unbranded cards that can be loaded and controlled in real-time.

For legacy estate agents, the product streamlines internal workflows, particularly for non-urgent payouts like commissions. For PropTech startups, our speed and tech compatibility provide a seamless way to embed fast payments directly into their platforms.

Payments that drive customer satisfaction

Payments may happen behind the scenes, but they shape frontline experience. With real-time payout options, PropTech firms can respond faster to customer needs, resolve issues on the spot, and differentiate themselves with better service.

That’s a key advantage in a market where customer loyalty is hard-won and easily lost.

The FinTech Boost for PropTech 

The future of property isn’t just about AI, automation, or digital forms—it’s also about how fast and efficiently businesses can move money. From managing your team’s expenses to supporting end-to-end customer journeys, FinTech is the backbone of modern PropTech.

As PropTech companies compete on speed, flexibility, and user experience, smart payments aren’t just operational tools; they’re strategic enablers. No matter what stage of tech adoption your business has reached, get in touch to find out how we can help make your property business more efficient.

InsurTech is a shining example of how technology has positively disrupted an industry. The market is large and growing fast. It was valued at over US$ 15 billion in 2024, with long-term valuation expected to surpass US$ 96 billion (26.0% growth) by 2032.

But amid all its innovation, one vital area is often overlooked – and it could be the most important from a customer point of view.

The more efficiently that funds are disbursed, the happier the customer.

As well as these challenges to customer satisfaction, insurers are also experiencing new regulatory and compliance pressures, making flexibility and transparency in disbursement tools vital.

For B4B Payments, that’s where the real transformation begins.

Stumbling at the crucial moment

Poor customer service and laborious, manual processes have been swept away by new technology and more dynamic and responsive services. 

However, there is a lack of cost-effective, efficient disbursement tools that align with the digital transformation goals of many insurers. 

A surprising number of insurers, even some of the largest players in the market, are still using manual processing centres that delay customer payouts.

It’s the final step in the process where the customer receives the funds from their claim. It’s the moment when the Insurance company eases their customers’ pain, and it could be part of a stressful or upsetting series of events for the consumer. 

From pain claim to satisfied customers

Traditional insurance processes are slow because they’re complicated. A typical claim involves several steps: reporting the incident, submitting documentation, reviewing the case, validating the claim, and finally issuing payment, often via bank transfer or cheque. 

That important step could happen days or even weeks later.

InsureTech companies are challenging this model with smarter, faster workflows. In the past, processing an insurance claim could take weeks. But now, with technology—and especially AI—that same process can be reduced to minutes.

What good looks like

The industry is striving to make the customer experience as stress-free as possible, for example:

• Pet Insurance: A customer takes their cat to the vet for X-rays. Instead of waiting days to be reimbursed, their insurer reviews the claim automatically and, within minutes, issues a virtual payment card via SMS. The customer leaves the clinic with their pet treated, and the bill is paid.
• Roadside Assistance: A motorist breaks down and calls their insurer. Using a virtual card solution, the insurer can instantly fund the necessary roadside repair, eliminating the need for the driver to pay upfront.

These aren’t just operational improvements—they’re meaningful moments that build loyalty and trust.

The battle for customer experience 

As InsurTech grows, customer expectations will also continue to rise. More than ever before, people expect fast, transparent communication, as well as immediate results. 

Currently, payments can be an afterthought. But they can increasingly become a differentiator for insurers – a way of earning a great reputation among customers that sets them apart from competitors, 

Instant payments don’t just improve customer satisfaction—they also:

• Reduce admin and operational costs
• Minimise delays and disputes
• Allow insurers to offer more competitive pricing, due to efficiency gains
• Drive “stickiness” in the form of long-term customer loyalty

There is particularly strong potential in niche or fast-growing segments, such as pet insurance and roadside recovery, where speed of payment is critical.

Why smart payments matter

B4B Payments plays a key role in enabling this shift. Their turnkey solution allows insurers to issue branded or unbranded physical and virtual Mastercard cards that can be loaded in real-time.

Here’s how it works:

• The insurer has access to a secure float account, pre-funded and connected to their business account
• When a claim is approved, the system instantly issues and loads a card, which can be sent by email or text message
• The customer activates the card via a mobile app and can use it immediately—online, in-store, or via Google/Apple Pay

B4B handles the funds of insurers via safeguarded accounts under its EMI (Electronic Money Institute) license, which is critical in highly regulated industries like insurance.

And because these cards can be restricted by merchant category or spending limits, insurers maintain complete control over how and where the funds are used.

Built for startups and giants

Whether the insurer is a legacy provider or a fast-growing InsurTech challenger, B4B’s model fits. It is:

• Fully compliant and regulated in the UK and EU
• API-integrated for seamless platform adoption
• Fast to deploy, with white-label options available
• Built with minimal third-party reliance (B4B is its issuer)

There is also the brand benefit, which can be especially valuable to start-ups looking to keep their name top of mind for customers. Payouts are issued via B4B’s virtual card platform, which can be white-labelled and integrated directly into your workflows.

The AI + FinTech advantage

Artificial intelligence has transformed how claims are processed. But once a claim is approved, the payment still needs to be made quickly, securely, and with a strong customer experience.

B4B’s technology plugs perfectly into AI-powered insurance platforms, creating a combined solution for ultra-fast claims approval and payout.

By combining the speed of AI with the B4B’s instant payout capability, InsurTech companies can close the loop: fast decision-making followed by fast settlement. Clients can process claims fast, and then pay them out just as quickly using B4B’s technology.

Insurance reimagined by FinTech

From emergency payouts to everyday claims, how quickly and seamlessly funds are delivered can define the customer’s experience and the insurer’s reputation.

InsurTech companies that adopt smart, real-time payment solutions don’t just win in operational efficiency—they win customer loyalty, market share, and long-term growth.

With B4B Payments, insurers of all sizes can access tools that enable them to keep promises to customers, build stronger relationships, and act fast when customers need them most. 

The UK’s construction sector is a cornerstone of the national economy, contributing £138 billion a year and employing over 3 million people. But despite its size and importance, the industry faces a serious migraine. 

Labour shortages and economic headwinds are only part of the story. A swell of new regulations – demanding sharper documentation, tighter controls, and greater transparency – is fast reshaping the landscape. At the same time, inflation is pushing costs skywards, turning back-office inefficiencies into front-line risks. 

Nowhere is this more apparent than in finance. Many construction firms are still wrestling with legacy systems to manage payroll, expenses, and compliance – an outdated approach that’s becoming increasingly untenable. 

As scrutiny intensifies and oversight centralises, modernising financial workflows is no longer a nice-to-have. It’s a necessity.

Old Systems, New Problems 

It’s no secret that the industry relies heavily on subcontractors, many of whom work temporarily, remotely, or without access to traditional banking. 

As a result, firms often struggle with payroll: bank transfers can be slow, expensive, and error-prone. Some still even rely on cash.

At the same time, managing expenses – whether it’s fuel, materials, or accommodations – can be chaotic. Lost receipts, tax inefficiencies, and messy audit trails are common. And as new regulations come into force, these inefficiencies are becoming a serious liability. 

With construction costs rising and regulations tightening, financial workflows are no longer just an admin issue – they’re a business risk. 

B4B’s Fix: Streamlined Payments for a Growing Workforce 

That’s where B4B Payments steps in. Our practical prepaid Mastercard solution is carefully designed for construction teams on the move. 

Whether it’s paying unbanked workers or tracking on-site spending, B4B’s system replaces manual processes with a secure, user-friendly platform. Payroll teams can load cards instantly, either manually or automatically, allowing workers to get paid fast, even without a bank account.

That’s a game-changer for retention and morale, especially on large infrastructure projects or remote sites. 

Receipts Without the Headache 

On the expense side, B4B’s cards can be used for day-to-day purchases, from fuel to materials. Our app prompts users to upload VAT receipts via photo, making compliance and tax tracking much simpler. 

For site managers, it’s a relief: no more chasing loose paperwork or trying to reconcile mystery charges. 

Other features – like contactless payment via Apple and Google Pay, two-factor authentication, and full-branded cards – give firms the kind of control and professionalism that spreadsheets just can’t match. 

Case in Point

This system has proven especially valuable for companies managing large-scale staffing across complex or remote projects. 

One organisation, operating in the construction sector, faced ongoing challenges with paying workers quickly, particularly those offshore or without traditional bank accounts. 

By switching to payroll cards, they were able to eliminate delays, reduce admin overhead, and simplify the payment process for both their internal team and their workforce. 

Now, even employees in the most remote locations can access their wages without the usual banking barriers – fast, easy, and hassle-free. 

Why It Matters Now 

The timing for financial modernisation couldn’t be more urgent. A wave of new regulations is coming, including: 

• Digital Waste Tracking: Firms will need tighter documentation of waste-related expenses. 
• DORA & PSD3: Europe-wide laws are demanding stronger financial system resilience and security. 
• FCA’s Five-Year Strategy: More scrutiny on compliance, trust, and transparency. 
• PSR-FCA Merger: Centralised oversight is expected to ramp up expectations on all financial practices. 

Construction firms that stick with manual systems may find themselves overwhelmed. But those that embrace automation and secure, scalable platforms – like B4B Payments – will be in a much stronger position. 

The Road Ahead for Construction Finance 

As construction becomes more complex, global, and compliance-driven, the need for smarter financial systems will only grow. And while there’s no single cure for every ailment the industry faces, simplifying how companies pay and manage money is a powerful way to start. 

Want to know more about how B4B Payments is supporting the construction sector? Visit our website or get in touch with our team to see how your business can benefit. 

As the demand for new treatments accelerates, so does the number of clinical trials around the world. But behind the scenes, managing clinical trials is becoming increasingly complicated. 

One of the biggest sticking points? Getting participants to stick around. 

A Big Problem That’s Getting Bigger

In early 2025, over 460,000 trials have been registered globally – a number that’s only expected to rise. 

From rare diseases to chronic conditions, pharmaceutical companies are in a high-stakes race to bring therapies to market faster than ever. 

The Stubborn Challenge of Keeping Participants Engaged 

Clinical trials don’t work without people. Volunteers are the foundation of every study, and ensuring they remain engaged throughout the trial is essential for collecting meaningful data. 

But retention is an ongoing struggle, especially when the trial process adds financial and logistical pressures to participants’ daily lives. 

For many, the hidden costs of participation are a real barrier. Transportation, missed work, childcare, even something as simple as grabbing a meal deal on the way to the clinic – all of it adds up. 

And while participants are often reimbursed, the process is rarely fast or simple. Cash-in-hand or slow bank transfers are still surprisingly common, creating friction that deters participation and drags down trial efficiency. 

The payment process is stuck in the past, and both researchers and participants are feeling the strain. 

Enter B4B Payments 

B4B Payments has carved out a space in the pharmaceutical world by offering a modern, tech-enabled solution to an old problem: how to pay trial participants quickly, securely, and transparently.

Our approach is simple. B4B provides prepaid cards that can be instantly loaded with funds after a trial visit. No waiting around, no chasing reimbursements. Just fast, trackable payments that fit into people’s lives. 

And unlike many others in the space, we don’t rely on third-party systems to deliver. As a direct issuer of prepaid cards, B4B Payments cuts out the middleman, offering tighter integration, faster turnaround, and better compliance controls. 

It’s a small change with a big impact: less administrative burden for research teams and a smoother experience for participants. 

A Real-World Win

In the world of clinical trials, timely and compliant participant reimbursement can be a major hurdle. 

One provider, focused on making the process smoother for attendees, moving away from manual payment methods in favour of automated, digital transactions. 

The result? Participants received their funds quickly and with minimal fuss. No waiting around. No paper trails. 

On the back end, the clinical research team gained greater visibility and control over spending, with simplified reporting and easier compliance management. 

All of this added up to happier participants, stronger retention, and more efficient trial operations overall. 

Innovation on the Ground 

Another headache for pharmaceutical companies is managing the expenses of field sales teams. B4B Payments can help here too, making it easier to track and reimburse travel, lodging, and other field expenses. 

This dual-pronged approach reflects our broader mission: to simplify financial operations in its entirety for one of the most complex and tightly regulated industries in the world. 

Staying Ahead 

We understand that regulations change frequently, and innovation moves fast in the pharmaceutical industry. B4B Payments makes a point of staying connected to what’s happening on the ground so it can better serve the industry. 

That means attending key industry events, tuning in to healthcare and life sciences conferences, and staying active on platforms like LinkedIn, where conversations around compliance, patient engagement, and digital transformation are constantly evolving. 

This ongoing engagement allows our teams to stay in sync with the needs of clinical coordinators, finance officers, and patient advocates alike, shaping our product roadmap in real-time and keeping our offerings relevant. 

Looking Forward: Trials, Tech, and Transformation 

As clinical research continues to globalise and expand, the need for frictionless, participant-friendly systems will only grow. Financial tools that are smart, secure, and simple to use aren’t just a ‘nice to have’ – they’re a vital part of running successful trials. 

B4B Payments delivers just that. With a laser-sharp focus on incentivisation, we’re helping to fix one of the most persistent bottlenecks in clinical research: patient adherence.

It’s an important niche that’s overdue for change. B4B Payments is right at the centre. Helping pharma companies become more efficient – and taking better care of trial participants.

Agencies are under constant pressure to do more than just produce great creative. It’s a metrics-driven world where measurable impact rules. And that often hinges on one thing – effective and irresistible incentives. 

From customer acquisition to internal team motivation, rewards have become a vital tool in the agency toolkit. But traditional methods – such as vouchers and gift baskets – are being outdone by a new kind of reward that’s fast, flexible, and digital-first. 

Rewards That Work Harder

For agencies juggling tight deadlines, demanding clients, and complex campaigns, reward fulfilment can be a logistical nightmare. 

B4B Payments offers a streamlined way to manage it all, powered by prepaid card technology that’s as versatile as the modern agency model. 

Whether it’s recognising top performers, driving customer referrals, or fuelling a nationwide product launch, our platform gives agencies the tools to create tailored reward experiences that actually resonate.

Cards can be physical or virtual, single-use or reloadable, tied to specific retailers or open to spend anywhere. They can also be integrated with Apple Pay and Google Pay or built with sustainability in mind, using up to 95% recycled PVC. 

The beauty is in the flexibility. And for agencies, that means more creative control and less operational drag. 

Incentives That Deliver 

The rewards industry is going through quite a revolution. What used to be a niche bolt-on has become a strategic pillar and key differentiator in marketing performance. 

As client demands shift and digital expectations grow, agencies need reward systems that scale, adapt, and deliver instantly. 

Our solutions are specifically designed to do just that. B4B Payments doesn’t just hand over cards – we work closely with agencies to build programmes that reflect their brand values and business goals. Real-time loading, full tracking, and robust compliance controls come as standard.

And it’s not just about logistics. With in-app receipt collection, branded digital wallets, and customer service support, the user experience feels less like an afterthought and more like a feature. 

Real-world Agency Case Studies

Agencies across the UK are already putting this model to work. 

Teams have rolled out real-time prepaid cards to give recipients full control over their rewards, paying out millions through tailored programmes that drive engagement and reflect a customer-first mindset. 

For prize-led campaigns, some agencies have streamlined reward distribution, dramatically cutting down fulfilment times and keeping operations smooth behind the scenes. 

Sustainability-focused marketers have embraced digital card solutions to reduce waste, align incentives with eco-conscious values, and take meaningful steps towards greener operations, without compromising on user experience. 

At scale, others have relied on our platform to manage consistent reward programmes across multiple departments, divisions, and regions – bringing cohesion to complex structures while keeping the process effortless. 

The Bigger Picture 

While gift cards and branded collaterals aren’t going away anytime soon, the future of rewards is clearly digital – and increasingly green. As eco-conscious practices move up the priority list for businesses and their audiences alike, sustainable reward options are becoming a must-have. 

At the same time, the shift towards instant, mobile-first payments is reshaping expectations. Physical cards still hold appeal, particularly for brand visibility and campaign impact, but the trend is moving toward digital wallet compatibility and seamless user journeys. 

Incentives are no longer a cherry on top – they’re baked into the strategy. And agencies that treat them as such are reaping the benefits. 

A Need for Change 

Marketing agencies aren’t just selling ideas – they’re delivering experiences. That means small things matter. 

A well-executed incentive programme can be the difference between a customer that converts or one that scrolls past; between a team that’s highly motivated or one that burns out. 

We understand it’s not just about cards – it’s about giving agencies the tools they need to build campaigns that connect, inspire, and deliver great results. 

Need a better way to reward? Whether you’re launching a high-stakes campaign or just want to keep your team firing on all cylinders, we offer simple, scalable solutions that work. Get in touch to learn more or request a demo. 

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.

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 8 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.