Anti-Bribery and Corruption Policy

It is the policy of Payment Card Solutions (UK) Ltd and UAB B4B Payments Europe, trading as B4B Payments, that all Business Partners shall actively avoid and prevent incidents of bribery involving B4B, its staff and any persons or organisations associated with it.

To view this policy, please download it here.

Onboarding and Ongoing Due Diligence Process

To comply with our regulatory obligations, including Anti-Money Laundering and Countering the Financing of Terrorism (“AML/ CFT”) regimes, B4B Payments is obligated to collect information and documentation about our clients & partners before entering or proceeding with business relations.
To view this further, please download it here.

Sanctions Policy

The Sanctions Policy (“Policy”) has been established to define the actions adopted by B4B Payments Europe and Payments Card Solutions UK (B4B). B4B is committed to complying with all sanctions regulations in the jurisdictions in which the B4B operates and has adopted screening/filtering programmes designed to comply with UK, Lithuania and foreign policies related to sanctions regulations.
To view this further, please download it here.

Safeguarding Policy

This policy sets out the Safeguarding Policy for Payment Card Solutions (UK) Ltd and UAB B4B Payments Europe, trading as B4B Payments. In compliance with the Electronic Money Regulations 2011, the guidance provided by the Financial Conduct Authority and Lithuanian law. The requirements are in place to protect customers’ funds in the event of B4B Payments ceasing to trade.
To view this further, please download it here.

Complaints Procedure

If you have a complaint regarding the services of “Payment Card Solutions”, UAB “B4B Payments Europe” or B4B Payments (USA) Inc. services all trading as “B4B Payments”, we are here to help. You can contact us via email at:

complaints@b4bpayments.com

If you prefer to send your complaint via post, please use the relevant registered office address below:

For Payment Card Solutions services:

New Office Address: 12-18 Grosvenor Gardens, London, SW1W 0DH

For UAB B4B Payments Europe services:
Workland Flow, Lvivo 21A, LT-09313, Vilnius, Lithuania

For B4B Payments (USA) Inc. services:
40 Washington Street, Suite 150, Wellesley, MA 02481, USA

What to Expect

  1. Acknowledgement of Receipt
    Once your complaint is received, we will send you an acknowledgement within 5 business days.
  2. Resolution Timeline
    • We aim to resolve your complaint within 15 business days.
    • If the complaint is resolved you will receive a Final Response. The response will include a summary of our investigation findings, actions taken, and any offers of redress, if applicable.
  3. Holding Response
    • If additional time is required, a holding response will be sent within 15 business days to explain the delay and provide an estimated resolution timeline.
  4. Final Response
    • A final response will be provided within 35 business days for UAB B4B Payments Europe clients and within 8 weeks for Payment Card Solution clients of receiving your complaint.
    • The response will include a summary of our investigation findings, actions taken, and any offers of redress, if applicable.

Escalation Options

If you are dissatisfied with our final response or if more than 8 weeks have passed without a resolution, you may escalate your complaint as follows:

  • For Payment Card Solutions services:
    You can refer your complaint to the Financial Ombudsman Service (FOS) free of charge within 6 months of receiving our final response.

You can contact the Financial Ombudsman Service at:

Financial Ombudsman Service

Exchange Tower

London

E14 9SR

Telephone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk 

Website: www.financial-ombudsman.org.uk

  • For UAB B4B Payments Europe services:
    You can refer your complaint to the Bank of Lithuania free of charge within 1 year of receiving our final response.
    Visit: Bank of Lithuania Dispute Resolution

You can submit documents electronically via the electronic consumer dispute resolution system. This ensures a smoother, more efficient and simpler application process.

If you don’t have the possibility to submit an application via electronic consumer dispute resolution system, you can submit a filled in and signed Consumer Application Form via email: prieziura@lb.lt or by registered mail to the Legal and Licensing Department of the Bank of Lithuania, Totorių g. 4, 01121 Vilnius, Lithuania.

We are committed to resolving your concerns promptly and effectively. Thank you for bringing any issues to our attention.

Contact us

If you have any questions or comment requests, please contact us here or post us at the relevant registered office address.

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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.