B4B Payments is a globally recognised and trusted provider of card issuing and embedded payment services. Our team has a market-leading level of experience, knowledge and expertise to help you grow your business with the power of scalable and secure payments and card solutions.

B4B payments is a proud member of the Banking Circle Group.


The world’s leading digital businesses rely on Banking Circle Group to deliver cross-border banking and embedded finance products through next generation technology.

For more information about Banking Circle Group and its underlying companies click here.

Celebrating 17 years of Fintech Innovation

  • Payment Card Solutions (PCS) Founded

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

  • BREADFX Euro Card Launched

  • Bread4Scrap Launched

  • PCS becomes an FCA Authorised Payments Institute

  • PCS and Bread4Business combine, becoming B4B Payments

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

  • B4B Payments Introduces Mobile App

  • B4B Launches in North America

  • B4B Payments signs deal to join the Banking Circle ecosystem

  • B4B launches several new solutions including business payments, Banking as a Service, and BIN sponsorship

  • B4B Payments is delighted to confirm that we are now officially a part of the Banking Circle group.

Leaders in the industry


B4B wins Best Corporate Payment Initiative at the Paytech Awards.


B4B wins Best Prepaid Card Solution at Payments Awards.


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


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


B4B wins Best Charity Initiative at the Emerging Payments Awards


Bread4Scrap wins Boundary Buster award at Europe Pay Before Awards


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

Our values shape everything we do; from how we run team meetings to how we work with our clients, these are the five qualities you will find embedded in every part of our business.

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© 2006 – 2023 Payment Card Solutions (UK) Limited trading as 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. 40 Washington Street Suite 150 Wellesley, MA. 02481.

All communications should be sent to: Europe – PO Box 76256, London, SW1P 9NU. USA – B4B Payments, 40 Washington Street Suite 150 Wellesley, MA. 02481.

B4B wants to ensure our customers know that their security is of the utmost importance. As such, we will never ask you to tell us your passwords, card PINs or One-Time Passcodes (OTPs).

At B4B Payments, we have taken all necessary steps to secure customer data and protect their privacy. Our systems have been designed with numerous layers of encryption and stringent firewalls. We use a combination of biometrics, two-factor authentication and other methods when customers access our services online or via our app.