Who we are

Celebrating 15 years of Fintech Innovation

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  • Payment Card Solutions (PCS) Founded

  • Breadcard.com Launch– One of the UK’s first consumer focussed Mastercard® prepaid card program.

  • BREADFX Euro Card Launched

    Explore.

  • Bread4Scrap Launched

    Learn more.

  • PCS becomes an FCA Authorised Payments Institute

    Learn more.

  • PCS and Bread4Business combine, becoming B4B Payments

  • B4B Payments announces CEO, Paul Swinton, appointed as the Chairman of the Prepaid International Forum.

    Read the story.

  • B4B Payments Introduces Mobile App

  • B4B Launches in North America

Leaders in the industry

2019

B4B wins Best Prepaid Product of the Year at Cards and Payments Awards.

2018

B4B wins Best Charity Initiative at the Emerging Payments Awards

2016

B4B wins Best Prepaid Card Solution at Payments Awards

2015

B4B shortlisted for Best Business Card Program at Cards and Payments Awards

2014

Bread4Scrap wins Boundary Buster award at Europe Pay Before Awards

2013

Bread4Scrap wins Best Prepaid and Overall Best Payments Program at Payments Awards

Meet the B4B Management Team

Paul Swinton,
CEO Founder

“(Process) improvement is a life journey, get on board.” ………………………………………….. ……………………………. ………………………………….

Rob Anderson,
CTO Co-founder

“We want our customers to take us for granted. If the IT is good, you don’t notice it.”. ……………………………………………….. …………..

Peter Barnes,
Chief Finance Officer

“It is not the strongest of the species that survive, not the most intelligent, but the one most responsive to change.” – Darwin

Vladimiras Kolesovas, General Manager B4B eUROPE

“A brand is not just a logo, slogan, or a business card. It’s a story, a feeling, an enriching experience had with a product or service.”

Craig Simpson,
ChiEF cOMMERCIAL oFFICER

“The secret of change is to focus all your energy, not on fighting the old, but on building the new.” Socrates

Go cashless with prepaid business cards
KEN O’SHAUGHNESSY,
CHIEF OPERATIONS OFFICER

“Do. Or do not. There is no try.” Yoda, Star Wars: Empire Strikes Back

Kieran Draper,
Head of North America

“Dreams come true only when you act on them.” …………………..

Angela cavendish,
head of compliance

“Live your best life. Be firm and fair and above all else be kind.”

TIM ROBSON,
ACCOUNT DIRECTOR

“It’s an exchange; customers give us their business and in return, we take their problems. We do what we do, allowing customers to focus on what they do.”

Our values shape everything we do as a company, from what happens in team meetings to how we work with our clients. These are the five qualities that you’ll find embedded in every part of our business.

Trust

We strive to act in a manner that builds trust with our team, clients, business partners, and other stakeholders. We firmly believe that actions speak louder than words and transparency is key.

Quality

We provide award-winning solutions and unsurpassed service that, together, deliver premium value to our customers.

Equality

We strive to create a workplace that reflects the diverse communities we serve and where everyone feels empowered to bring their full, authentic selves to work.

Innovation

Redefining the standard of excellence is in everything we do. Therefore, we are open to ideas that challenge the conventional views and drive innovation. The only constant in life is change and we believe that in order to stay relevant we must continuously improve and evolve with the changing needs of society.

Teamwork

The strength of our team does not only lie in our combined experience and expertise but our ability to trust each other, no matter what. We understand that our best work is not produced by individuals but by enjoying collaboration as a team and supporting each other every day.

Want to join the B4B Team?

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© 2006 – 2021 B4B Payments.

B4B Payments is 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.
All communications should be sent to: Europe – PO Box 76256, London, SW1P 9NU USA – B4B Payments, 275 Grove Street, Suite 2-400 Newton, MA 02466