B4B Payments

B4B Payments is a platform that combines payment accounts, card issuing, foreign exchange, spend management and embedded finance for companies. It belongs to Banking Circle Group and operates as an electronic money institution.

Legal entities In the United Kingdom the entity is Payment Card Solutions (UK) Limited, and in Europe it is UAB B4B Payments Europe, which issues cards under a Mastercard licence. In the United States a separate Inc. entity is used, and the Visa prepaid programme is issued by Cross River Bank. The applicable legal entity must be specified for each client.

Funds protection E-money is not covered by a bank deposit insurance scheme. Funds are safeguarded under applicable rules and the contract, and the US bank programme has separate terms.

Target clients and developers The published target segments are fintech companies, businesses and enterprises, and software platforms, which is a target and not a guarantee of eligibility. The company links developer resources on its website.

What to clarify Fees, limits and currency coverage are not stated in the material, and should be confirmed per jurisdiction and per programme before signing.