Client and Cards T&Cs

UK

B4B Payments prepaid Mastercard® Terms and Conditions. The following Terms & Conditions definitions apply to UK issued B4B Payments clients
and cardholders.

Client Terms & Conditions

Enterprise Client:

is a business which both: (a) employs more than 10 people; and (b) has a turnover or annual balance sheet exceeding £2 million.

Small Business Client:

(a) employs fewer than 10 people; and (b) has a turnover or annual balance sheet that does not exceed £2 million. Or a charity is a body whose annual income is less than £1 million and is: (a) in England and Wales, a charity as defined by section 1(1) of the Charities Act 2011; (b) in Scotland, a charity as defined by section 106 of the Charities and Trustee Investment (Scotland) Act 2005; or (c) in Northern Ireland, a charity as defined by section 1(1) of the Charities Act (Northern Ireland) 2008.

Enterprise Corporate Terms and Conditions

Small Business Corporate Terms

Card User/Holder Terms:

Enterprise Card User Terms
For users of B4B Corporate Gift & Refunds and Travel & Business.

Small Business Card User Terms
For users of B4B small business Gift & Refund and Travel & Business.

Cardholder Terms
For recipients of funds using B4B Payout and Payroll products.

Bread4Scrap Terms & Conditions:

Bread4Scrap Corporate Terms

For users of B4B Business Enterprise and Small Business.

Bread4Scrap Cardholder Terms

EU

The following Terms & Conditions definitions apply to B4B Payments UAB clients and cardholders located in Europe, outside of the UK.

Client Terms & Conditions:

Europe Business Terms & Conditions [English]
Europe Business Terms & Conditions [Lithuanian]

Card User/Holder Terms:

Europe Card User Terms & Conditions [English]
Europe Card User Terms & Conditions [Lithuanian]
For users of B4B Payments EU expense and incentive products located in the EU.

Europe Cardholder Terms & Conditions [English]
Europe Cardholder Terms & Conditions [Lithuanian]
For recipients of funds using B4B Payout and Payroll products located in the EU.

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© 2006 – 2025 Payment Card Solutions (UK) Limited trading as B4B Payments is a financial technology company 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.

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.