Who we are

Celebrating 14 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 Prepaid Product of the Year at Cards and Payments Awards.


B4B wins Best Charity Initiative at the Emerging Payments Awards


B4B wins Best Prepaid Card Solution at Payments Awards


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


Bread4Scrap wins Boundary Buster award at Europe Pay Before Awards


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 your IT is good, you don’t notice it.”. ……………………………………………….. …………..

Peter Barnes,
Finance Director

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

Katrina Hutchings,
Marketing Director

“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.”

David Craven,
Head of Sales & Partnerships

“In an age of convenience, partner with someone who delivers the exact solution you require, first time, exactly when you need it!”

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.”

Angela cavendish,
head of compliance

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

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.” …………………..

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.

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If you have any issues or queries please call our customer services using these details. We can't answer cardholder queries by email. Local call rates apply.

If you have a B4B Payments VISA card please call:


+18338521356 (Americas) Toll Free

If you have a B4B Payments Mastercard please call:

+44 20 3475 5351 (Europe)

+1 604 200 0554 (Americas)


How to avoid invoice fraud

To help you avoid losing potentially thousands of pounds, we've put together a list of things that you can do to avoid invoice fraud.