Who we are

Celebrating 15 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

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 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.


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.


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


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.


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.


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.

Optimising payment processes with B4B Payments

Whether you’re looking to optimise your own B2B payments services or provide innovative fintech payment opportunities, B4B payments can help you achieve your goals quicker and more easily than ever before.