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Salvation Army choose B4B in modern slavery response

Cashless advocates and prepaid payments company, B4B Payments is lending its technological weight to The Salvation Army in the vital work to support recovering victims of modern slavery, by working with the organisation on cashless payment technology.

The Fintech organisation, which is a fast-growing player in the prepaid card industry for over 14 years, is helping The Salvation Army to roll out its prepaid cards among victims of modern slavery for whom cash is an insecure method of payment. The rapid introduction of this new technology is one of many measures The Salvation Army and its partners have initiated with support from the Home Office to adapt the way support is provided to victims of modern slavery in its care. The use of prepaid cards enables The Salvation Army to minimise face to face contact  during the coronavirus pandemic in delivering subsistence payments to which victims of modern slavery are entitled under the Government contract through which The Salvation Army provides vital support to help them begin their journey of recovery.

Modern slavery is a problem which is still surprisingly prevalent around the world. Since 2011, The Salvation Army has supported more than 10,000 victims of modern slavery. In 2019, 46% of potential victims who entered support were referred from London.  It is estimated that one in two hundred people around the world is a slave, victims of all manner of exploitation hidden in plain sight in farms, factories and car washes and forced to work in the sex industry and even criminal activities such as drug smuggling.


Thanks to their amazing work in Britain and around the world, The Salvation Army is helping victims of modern slavery to begin new lives living independently when they are rescued from their captors, supporting the work undertaken through the Government contract with additional support programmes through our own charitable funds.

By partnering with B4B Payments, The Salvation Army is able to give the people it helps a prepaid Mastercard®. This means that staff can give the victim all the money that they are entitled to at once without fear that they will be targeted, and it works as a viable alternative to cash. Users are also able to make cashless payments online using this method, just like a traditional bank card, so they can more easily access Government services or pay for things from home if they have a disability or restricted by social distancing measures.

“Even in these challenging times with coronavirus, The Salvation Army and our partners are doing all we can so that victims have the best care possible, to keep them safe and help them continue their recovery.

Bringing forward the roll out of prepaid cards has been one of the key adaptations we’ve successfully introduced in recent weeks to help survivors of slavery as they not only begin to live independently but also supporting them to do this within Government guidelines, to protect them from infection.

 The Salvation Army’s Victim Care Fund has made a contribution of £20,000 from its charitable resources to make sure we could get the prepaid cards to the vulnerable people in our care as quickly as possible. 

We recognise the extraordinary demands on our staff, volunteers and partners, and want to thank them all, along with suppliers like B4B Payments, for stepping up in their rapid response to a fast-moving situation which has been exceptional and deserves commendation.”

Major Kathy, Betteridge, Director of Anti Trafficking and Modern Slavery for The Salvation Army

B4B Payments CEO Paul Swinton said, “It has been hugely rewarding to provide our services to The Salvation Army because they’re tackling some of the biggest social problems in the world today. Financial inclusion is an issue that cuts across so many different areas including Modern Slavery, domestic abuse, people trafficking and homelessness, and it is vital that we as a financial technology company do our bit to innovate and help the less fortunate.”

Stats on modern slavery and how The Salvation Army are supporting victims


For media enquiries, please contact The Salvation Army’s PR & Communications office:

media@salvationarmy.org.uk / 020 3657 7555

About The Salvation Army’s modern slavery work:


The Salvation Army was awarded the government contract in 2011 to provide specialist support for adult victims of human trafficking in England and Wales, including safe accommodation, counselling, medical care, translation services and legal counselling. Victims seeking help have been trafficked to or within England and Wales and are referred to the service through a dedicated referral line 0800 808 3733 available 24 hours a day, seven days a week.

For more information visit the website: www.salvationarmy.org.uk/modern-slavery 

The Salvation Army is an international Christian church and registered charity which has been transforming lives for more than 150 years. Working in 131 countries worldwide, The Salvation Army offers friendship, practical help and support for people at all levels of need. In the UK and Republic of Ireland this work includes more than 750 community churches and social centres. Registered Charity Nos. 214779, 215174 and in Scotland SC009359, SC037691. For more information visit the website www.salvationarmy.org.uk

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Newsroom Sports & Leisure

The digitisation of arenas and sports events

As lockdown restrictions begin to relax around the world, many stadiums are preparing to welcome sports teams and fans once again. From local stadiums to large arenas, everyone involved in the sports industry is doing what they can to keep their staff and guests safe, including embracing new digital technology. Stadiums are beginning to encourage, and in some cases even make it mandatory, for their patrons to use digital and contactless payment solutions where possible.

What are the benefits of cashless payments for a stadium?

• Reduced theft as visitors and sports players will not need to bring cash into the stadium.
• Helps reduce the possibility of spreading COVID-19 or another virus as contact is limited.
• Better visibility to track where and how people are using money in the stadium.

How are contactless and digital card payments changing sports stadiums?

Making service faster

In the Stadium of the Future report by Oracle, it was revealed that sports fans in Germany would be willing to spend 68% more on purchases if the wait time for food and beverages was reduced by half. Similarly, US fans claimed they would spend 66% more on food and drinks if the wait time was reduced, as would UK fans by 61%. This sends a clear message to stadium employees – fans are willing to spend more on food and drink if their time queuing, being served and waiting to receive their food and drink is reduced.

By making contactless payment mandatory, stadiums could significantly improve their speed at serving food and beverages as money will not need to be regularly counted, distributed or stored in a safe, which can be very time-consuming processes.

Increasing sales of high-priced items

The price of food, beverages and merchandise in a stadium can vary. More often than not, however, stadiums charge a premium for food and drink as they try to offer their sports fans a unique sporting experience that they cannot receive or replicate from their home, including enjoying indulgent food and drink. It can be hard, however, for a sports fan to hand over their hard-earned cash to pay for food and drinks. Some sports fans may even purposely limit the amount of money they take to a game to ensure they do not overspend.

Contactless payments help consumers see money and pricing as digital, and eliminates the process of handing over their money physically. This often encourages sports fans to buy more food and drink.

Cashless spending in your organisation

Going cashless doesn’t stop with your visitors and fans. Prepaid business cards from B4B Payments are the perfect way to adapt cashless spending to not only your arena, but your organisation as well. Stop your employees from using their personal funds to purchase goods and supplies, entertain partners, and travel. With a prepaid card you can see exactly where your money’s being spent as it’s happening, the ultimate risk management tool. No need worry about excess spending or potential fraud.

Control the parameters yourself using the B4B online admin platform and mobile app. By removing spend on personal cards, you’re in control. You decide how much employees can spend, and what they can use their expenses for.

Have temporary employees and volunteers?

Paying temp workers doesn’t need to be difficult. Using a flexible B4B prepaid card, save money on handling costs and fees associated with traditional payroll processes.

Our innovative method can be particularly useful for businesses with temporary or short-term staff so that you, as a business owner, can meet the demands of your changing workforce and not be held back by limited resources. Our cards can be used for GBP, EUR, and USD currencies to create a bespoke experience for you.

Did somebody say branding?

Choosing a B4B prepaid card gives you a unique opportunity to showcase your brand. A stunning design will help promote your brand and create a positive association with your company every time your cards are used. For a seamless user experience, we also create a cardholder platform and unique landing page featuring your brand.

If you’d like to learn about prepaid cards, contact B4B Payments today. We are an expert fintech company who specialise in providing payment solutions for the sports industry.

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Newsroom Uncategorised

Dos and don’ts of sports payments

As COVID-19 lockdown restrictions begin to ease around the world, many sports fans and athletes are rejoicing as sports games and tournaments are preparing to resume once again. If you’ve recently been put in charge of the sports payments for a travelling sports team, ensure you follow our guidance below…

DO elect a team treasurer

If you are unfamiliar with managing a travelling sports team or have never handled sports payments before, you may be tempted to split the financial responsibilities of your sports team. This, however, will only lead to confusion and make your finances difficult to manage and organise. Instead, elect one treasurer and find a simplified financial system, such as a prepaid payment solution, that will unify your financial expenditure.

DON’T use cash

Whether you manage a small grassroots sports team or an international team of athletes, you should avoid travelling and paying for services with cash where possible. When you travel with cash, you make yourself incredibly vulnerable to theft and put yourself at risk of fraud. With cash, it is almost impossible to track your team’s spending and can be very time consuming to manage and distribute.

In light of recent global events, avoiding the use of cash where possible is essential. Many businesses will only now accept contactless card payments due to the social distancing measures put in place due to COVID-19. Cashless card payments will help to reduce the spread of the virus and help safeguard your sports team and employees from putting themselves at risk of infection.

DO stick to your budget

To ensure you don’t overspend and harm the financial position of your sports team, it is essential you create a precise budget and stick to it. Pre-paid cashless payment cards will ensure your sports team do not go over budget as they will have a specific amount allocated to their card. It will also be easier to track where you have been overspending due to their digital spend visibility.

B4B Payments, voted the Best Prepaid Product of the Year in 2019, offers payment solutions without regional limitations, as they are Mastercard® approved, ensuring your team can travel with ease without having to change payment type frequently.

DON’T mix funds

If you manage multiple sports teams it may be tempting for you to only open one bank account and blend all of your funds and expenses. It is essential, however, that each sports team you manage has a separate bank account and you do not use your personal account to keep any of your sports team expenses.

DO create a payment plan

As sports games begin to take place once again, it is essential you keep your team safe and your finances organised. This is why before hosting or attending a sports event you should contact B4BPayments, to order your prepaid business cards. All prepaid cards are managed with a robust, flexible, and easy to use digital platform and mobile app.

To learn more about how sports events and other organisations are benefitting from contactless payment solutions read our customer stories.

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Company News Newsroom Uncategorised

BreadFX Euro Card Launched

UK holidaymakers in Europe could be wasting up to a £1bn a year when they change their Sterling into Euros, says Paul Swinton, CEO of B4B Payments, a leader in smart and flexible corporate expenditure solutions.

“There are around 42 million trips to Euro zone countries by UK residents each year and they spend some £18bn worth of Euros. In these tough times, people could save themselves a lot of money with a little planning, simply by ordering a prepaid Euro card and loading it with the amount that they want to spend on holiday”, explained Paul.

B4B Payments has launched the BreadFX Euro Currency Card to address this issue. It has very competitive exchange rates, no commission to pay, and no fees for normal usage. * “Typically, you could get up to 10 percent more Euros for your pounds than you would at an airport currency exchange shop. If your holiday spending is about £800, it means you could get up to an additional £80 worth of Euros to spend ‘for free’,” continues Paul.

Once you receive your BreadFX Prepaid Mastercard (link to www.breadfx.com) you can email or text to exchange Sterling from your bank account to Euros on the card. BreadFX publish their daily exchange rates on their website so that you can compare with other ways of obtaining Euros. Paul maintains BreadFX could save the typical holidaymaker between 3 percent and 10 percent of the costs of their Euros, compared to travellers’ cheques, or many High Street or airport currency exchanges.

The card is accepted at some 30 million outlets worldwide wherever the Mastercard® Acceptance Mark is displayed. It can also be used to draw cash from an ATM for pocket money. As with many other Mastercard® cards, the cardholder has a unique PIN, so it can be considered a safe alternative to carrying large amounts of cash, or hiding money in a hotel room. However, BreadFX advise that you should keep the card as secure as cash and never disclose the PIN or keep it near your card.

The BreadFX card is also a convenient alternative to travellers’ cheques as you don’t usually need to have your passport with you as proof of identity. Because you pre-load the card with the amount of Euros you want to spend, you can control your budget but if you want to top up the card, all it takes is an email or text. If you lose your card it can easily be replaced (for just €7.50) or a replacement couriered to you at the cost of the courier service.

So what are the advantages against taking your ordinary UK debit card or credit card on holiday? The exchange rates with the BreadFX card are usually better, so you save money. If using a UK debit or credit card, exchange rates will vary on each transaction and there may be additional charges levied by your bank for using your card abroad, making it difficult to keep an accurate track of your spending.

*No fees for normal usage except €1.50 ATM fee. See website for full terms and conditions.

Notes to Editors:

The BreadFX Prepaid Mastercard® is operated by B4B Payments Ltd. All currency transactions are carried out by Cornhill FX. The card is issued by Wirecard Card Services Ltd.

B4B Payments was formed in 2006 to run, manage and operate prepaid card programmes. The Bread Prepaid Mastercard has become one of the industry leading general spend prepaid card programmes. Using knowledge and experience built up during its operation led to a natural progression to join forces with Cornhill to begin delivering travel money programs via prepaid cards.

Cornhill FX is part of the Cornhill Group and was established to provide a superior service to clients (large and small) requiring assistance with foreign currency conversion. With FSA regulation and servicing 1000’s of clients including many FTSE100 companies, Cornhill process a sizeable number of transactions daily that allow them access to the very best exchange rates on the market.Original research for B4B Payments conducted by YouGov (June 2010) as an omnibus survey of a nationally representative sample of 2,000 UK adults aged 18+. Other data sourced from The Office of National Statistics MQ6 Survey on Transport Travel & Tourism and from B4B Payments own research.