Mastercard and Pay4You Partner to Streamline Corporate Tail Spend

July 8, 2025 • FinTech News

New Solution for Overlooked Corporate Spending

Mastercard has teamed up with payment platform Pay4You to help European businesses better manage tail spend – the 20% of purchases that often escape procurement oversight. Together, they’re combining virtual cards with payment automation to tackle this challenge.

How the Partnership Works

The collaboration offers:

For Companies:
✓ Automated processing of small supplier payments
✓ Virtual card integration for all transactions
✓ Improved compliance and cost control
✓ Simpler employee purchasing

For Banks:
✔ New revenue streams from card usage
✔ Increased digital payment adoption
✔ Better visibility into corporate spending

Solving the Tail Spend Problem

Traditional approaches often fail because:

Employees use personal cards or cash
Accounting becomes complicated
Fraud risks increase

“Corporate cards were rarely used for these small purchases – until now,” said Pay4You CEO Lourens Stamhuis.

Technology Behind the Solution

The platform combines:

Mastercard’s virtual card technology
Pay4You’s automated payment system
Real-time spending analytics

“We’re giving finance teams control over every euro spent,” explained Mastercard’s Johanna Waara.

Benefits for Businesses

Early tests show:
→ 30% faster invoice processing
→ 15% lower processing costs
→ Full visibility into all spending
→ Reduced fraud risks

The Future of Corporate Payments

This partnership signals:
✔ Growing demand for spend management tools
✔ Shift toward fully digital procurement
✔ Importance of payment automation

“We’re rethinking how companies handle small purchases,” Stamhuis added. “The savings potential is enormous.”