Simplifying expense management processes

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Delivering and scaling regulated prepaid programs globally

B4B Payments is a global B2B payments innovator headquartered in London, offering smart and flexible corporate payments and card solutions. B4B’s solution combines a Mastercard® prepaid card with a powerful in-house proprietary management portal saving businesses time and money.

B4B Payments looked for a trusted software development partner with vast experience in implementing API integrations and developing web solutions for industries in which regulatory compliance is a key. The biggest challenge was maintaining an existing large codebase and building new standalone systems. As the web application deals directly with financial institutions it needs to comply with local and international laws concerning financial services. With a growing number of global customers, the platform had to be ready for international payments with improved reliability and security.

B4B Payments also needed a mobile solution to replicate functionality from the existing web services, add to them a native feel of mobile applications and leverage the capabilities of the mobile device directly. The main challenge of the mobile application was to simplify the login experience, with ability to log in by biometry data, add push notifications from which users can classify their expenses and capture receipts to upload them to back-end services.

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Service Process

With the lack of experienced Ruby on Rails developers in the UK, B4B Payments started to look for an outsourcing company to expand internal technical resources. After a successful trial, the project scope was finalised and a team of both back-end RoR and front-end React developers with on-demand access to our UX Design team was built. To ensure effective project kick-off, the platform’s architecture and dependencies among internal and external applications within the system were established through a meeting at Selleo premises.
We adopted a Scrum-like process with weekly meetings to discuss project progress and decide on the tasks for the next sprint. The product owner on the client side ensured proper backlog management and provided clarification on features and specification. Daily communication was primarily managed through Slack.Trello was implemented to manage tasks and monitor progress.
We helped maintain a large code base and built brand new systems on Ruby on Rails with tons of new features and functionalities. We incorporated HTML/CSS development, improved security and reliability, and also contributed to some front-end and graphic design work. We dealt with Rails 5.x upgrade and migration from local storage to AWS S3.
client value & trust
Rob Anderson
Rob Anderson
CTO at B4B

Selleo holds themselves to a high standard in all their work, whether it’s frontend, backend, or a minor design tweak. They’re a reliable and professional team whose superior organization makes collaboration easy. They’re well-versed across the team, and they communicate well and listen to feedback.

business value

B4B Payments offer four core products that remove the pain points and simplify processes for businesses dealing with expense management, recurring payments, payroll, rewards and incentives.

The platform delivers a technical solution for managing card applications offering SMS and app tools, including a customer service administration portal containing a full set of tools to manage customer contact and account administration. Choosing a B4B prepaid Mastercard® card solution also gives clients a unique opportunity to showcase their brand. For seamless user experience, a branded cardholder portal and unique landing page is created.

The powerful B4B management portal enables customers to:

  • View real-time float statements, card loads and transactions
  • Manage expenses including creating job codes, accounting categories, office locations and departments
  • Automatically top-up cards to a defined level every day
  • Switch off ATM use and online transactions
  • Perform electronic Know Your Customer (KYC) checks

The mobile solution allows end-users to upload the receipt and classify transactions right after the push notification is raised instead of going slowly with that process on the web interface. The application was designed to take full advantage of the smartphone’s device, so the login process is handled by the biometry sensors.

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Awards & Certificates

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  • Top 1000 Companies Global 2021
  • Top Development Company Poland 2021
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  • 2020 HR Dream Team Award
  • 2016 Employer Branding Featured
  • 2015 HR Dream Team Award
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  • Information Security Management System compliant with PN-EN ISO/IEC 27001
  • Business Continuity Management compliant with ISO 22301