Payment Card Solutions helps individuals and businesses to handle money more effectively

Who we are

PCS is the UK's most trusted prepaid payment card specialist, providing systems, compliance and customer services teams to operate some of the UK's most successful prepaid card programs.


Since our inception in 2006 we have grown to be one of the UK's most respected prepaid specialists. Speak to our customers to find out why.


We combine industry knowledge and IT expertise to offer the best of breed prepaid solutions in Europe. We have an open API and can help you integrate prepaid into your business.


We operate multi-currency prepaid programs across Europe and can provide advice on how to remain compliant across the member states.


Legal compliance and anti-money laundering legislation in Europe is very complex. We can help you understand how to operate securely and legally, while maximising ROI.

If you are considering incorporating prepaid into your business, call us for friendly, impartial advice on 020 3137 3420

Our programs

We operate MasterCard and Visa prepaid programs both under our own Bread brand and for third parties

BREAD Card Brand

For consumers
For business

Third party programs

What is prepaid?

For businesses

Managing cash in a business is expensive

Whether it's payroll, expenses, or paying out money to customers, managing cash costs both time and money.

PCS can help businesses understand their options for exploring alternatives.

  • Control budgets and set hard spending limits
  • Track the flow of money in your business
  • Remove the security headache of cash
  • Put your brand in customers' wallets
Read more to understand how PCS can help

For consumers

Filling the gap left by the banks

Consumer prepaid applications include:

  • Travel money
  • Money remittance
  • Bank account replacement
  • Budget control
  • Wages
  • Underbanked and credit repair

PCS have years of experience in delivering programs tailored to consumer needs.

Read more to find out how we can help you to market

Case studies

Find out more about who we are by speaking to our customers

Lebara Money

Lebara Money

Worldwide money transfer

  • Lebara Money Prepaid MasterCard
  • MoneyGram
  • Airtime

PCS have worked closely with us to deliver the solution in a timely and cost-efficient manner. As the product evolves, we are confident that PCS will continue to provide robust and adaptable systems to meet our requirements.

Russell Atkinson, UK MD Lebara Mobile
Read more about the Lebara Money prepaid solution


Scrap metal industry solution

Replacing cash and tackling metal theft

  • Launched in December 2012
  • More than £50 million cash loaded to date
  • More than 100 scrapyards
  • The UK's largest and most successful industry solution
Read more about Bread4Scrap



A Prepaid MasterCard solution

  • Launched in 2014
  • Centralised online management of accounts
  • Instant loading and unloading of cards 24/7
  • Real time reporting and budget management
  • Expenses, Payroll, Fuel and ad hoc expenses
Read more about Bread4Business at Lutterworth Logistics

Industry News

A chance to win two level 4 balcony tickets to The Brit Awards 2015 with MasterCard®

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Payment Card Solutions has been shortlisted for the Cards & Payments Awards 2015

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Payment Card Solutions Win Recognition at the Prepaid365 Awards

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Bread4Scrap Best in Category winner at the European Paybefore Awards 2014

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Nationwide Metal Recycling Ltd (NMR) join Bread4Scrap

We are pleased to announce Nationwide Metal Recycling Ltd (NMR) have recently launched Bread4Scrap across their 7 yards.

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£2K A month savings on fuel with a Prepaid Card

Lutterworth Logisitcs Ltd (3L) is a rapidly growing same day / next day courier-haulier based in Leicestershire operating approximately 40 vehicles.

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A Selection of Prepaid Card Case Studies