Simplifying expense management processes


Maintain an existing large codebase and build new standalone payment management systems for web and mobile users.


Smart payment solutions combining Mastercard® and Visa® prepaid cards with a powerful in-house proprietary management portal used by 1300+ organisations.

B4B - screen

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.

Process and Project Scope

Outsourcing RoR and React Native experts

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.

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.

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.

Rob AndersonCTO at B4B
Technology stack

The power of React Native

We have selected React Native as the right framework for building the mobile app because it enables to write one code-base for both Android and iOS platforms. The application also uses Redux library to provide state management across the app. With a test-driven development approach, our team at Selleo was responsible for maintaining high code quality, CSS implementation and introducing new features to the platform. Developers ensured reliability and security. We used Ruby on Rails to develop the project and build a robust, scalable platform.