Mastercard and Pay4You, a self-service payment portal, have announced a partnership aimed at enhancing tail spend management for corporations in Europe.
Key Features of the Partnership
This collaboration leverages Mastercard’s Virtual Card Network (VCN) technology to ensure seamless card acceptance and deliver an efficient solution for managing non-core spending.
Tail spend, representing 20% of a company’s total expenditure, often includes small-value, frequent transactions that are not typically managed by procurement departments. These transactions, despite their low value per transaction, can significantly contribute to the overall number of purchases made by an organization.
By integrating Pay4You’s platform with Mastercard’s virtual card technology, organizations can streamline their spending processes, reduce costs, and improve compliance while providing employees with a more user-friendly experience.
Benefits for Customers Using Pay4You
- Customizable implementation: tailored services based on specific requirements and desired information;
- Single vendor solution: simplifying the management of multiple vendors with a unified service provider;
- Consolidated billing: streamlined invoices that are enriched with relevant data;
- Flexible payment options: choose between virtual card or bank transfer for each purchase;
- Dedicated support: a team focused on maximizing return on investment in tail spend management.
Moreover, this partnership will help capture new transaction flows associated with A2A payments and supports Mastercard’s broader initiative to enhance efficiency within the payment ecosystem. Pay4You will also benefit from integrating Mastercard’s latest embedded VCN technology, which streamlines onboarding processes for banks, platforms, and corporations.
Mastercard’s Other Initiatives
In July 2025, Mastercard partnered with Octet Türkiye to improve cash management and installment payment capabilities for businesses in the Middle East and North Africa (MENA) region. This collaboration utilized Octet Türkiye’s expertise in trade facilitation and corporate credit card payments to enable extended or installment payments while allowing sellers to collect invoice amounts promptly.
