B4B Payments
B4B
Data verified on unchanged since the sources
Worth it if you need to issue cards on both sides of the Channel: dual FCA and Bank of Lithuania licensing plus Mastercard Principal Member status from a single provider.
Avoid it if you are a consumer, or want to compare costs before signing: it is a B2B service and its fees are not published.
A BaaS card issuer with dual EU and UK licensing and Mastercard Principal Member status, with over 19 years of activity and several industry awards. It is a B2B service, not aimed at consumers, and its pricing is not publicly disclosed.
Data & conditions
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Per transaction |
| Spread | 0 bps |
| Per-card fee | $0.00 virtual · $0.00 physical |
| Card networks | Mastercard, Visa |
| Card types | virtual, physical, prepaid |
| Settlement time | T+1 |
| Fiat rails | SWIFT |
| Certifications | PCI-DSS-L1 |
| Processed volume | $0 |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | EEA, UK, US · 50+ countries |
| Regulator | FCA |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | EMI FCA (UK) + Bank of Lithuania (EU) |
Strengths
- Doppia license EU+UK; Principal Member Mastercard; 19+ years; premiato.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- B2B; not for consumatori.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (FCA (UK) + Bank of Lithuania (EU)): reporting to authorities and freezes on order.
Verdict
Dual FCA and Bank of Lithuania licensing, Mastercard Principal Member status and 19+ years of operation explain the high tier-A rating: few BaaS rails offer this regulatory depth on both sides of the Channel, and it is available in Italy too. What holds back a top score is that this is a B2B product with undisclosed pricing, so the ordinary consumer never touches it directly and cannot compare its real costs.
Through this lens B4B scores low: it is a fully regulated rail with full KYC, built to let other companies issue cards, the opposite of a trustless, no-KYC logic. The dual license that is a strength for consumer protection is exactly what places it at the bottom here.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used B4B Payments, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
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Trustpilot ↗
2.5/5
386 reviews
Low score (2.5/5) with a majority of 1-star reviews, mostly from prepaid cardholders (not the B2B clients): complaints about identity verification and access to funds; the company replies to negative reviews.
Weighted average across 1 public review platform (386 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
What service does B4B Payments offer?
B4B Payments is a Card Issuing & BaaS service with per-transaction pricing.
What compliance does B4B Payments hold?
Compliance certifications are not publicly documented.
How much does it cost to integrate B4B Payments?
Pricing model: per-transaction. Per-unit fees are not published: they depend on volume and contract.
Does B4B Payments support stablecoins?
Supported stablecoins are not documented.
Who is B4B Payments for?
Target: B2B. SDKs and integrations are not publicly documented.
Sources
- Official service page Pricing model · Compliance · Volume · Fiat rails · +2 Data verified on Jun 15, 2026
- fintechmagazine.com Card networks Data verified on Jul 17, 2026
- weavr.io Latest funding round Data verified on Jul 17, 2026
- pitchbook.com Latest funding round Data verified on Jun 14, 2026
Show 3 more sources
- prospeo.io Valuation Data verified on Jun 14, 2026
- uk.trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- crunchbase.com Founders Data verified on Jun 13, 2026