Mastercard and Pay4You, a self-service payment platform, have entered into a partnership aimed at enhancing tail spend management solutions for corporations in Europe.

Key Features of the Partnership

Through this collaboration, Mastercard’s Virtual Card Network (VCN) technology will be integrated with Pay4You’s platform to create a more efficient and cost-effective solution for managing tail spend.

Tail spend comprises the unmanaged portion of a company’s expenditures that typically make up 20% of its total spending, often involving numerous low-value transactions.

By combining these technologies, corporations can reduce expenses, improve operational efficiency, and ensure compliance while providing employees with an enhanced user experience.

Benefits for Customers

• Custom implementation services tailored to specific needs and requirements.
• A single point of contact through a comprehensive vendor solution that simplifies all vendor setup and maintenance processes.
• Unified monthly invoicing, consolidating and enriching data for easier tracking.
• The ability to select between virtual card or bank transfer methods per purchase.
• Dedicated support teams focused on maximizing the return on investment in tail spend management.

This partnership also helps issuers capture new payment flows that are often used for A2A transactions. Moreover, it supports Mastercard’s mission to streamline and optimize the payments ecosystem by leveraging its latest embedded VCN technology, which facilitates faster onboarding among banks, platforms, and corporations.

Mastercard’s Other Partnerships

In July 2025, Mastercard partnered with Octet Türkiye to address the cash management and installment payment needs of businesses in the MENA region. By utilizing Octet Türkiye’s expertise in trade facilitation and corporate credit card payments, this initiative enabled businesses to facilitate extended or installment payments while allowing sellers to collect invoice amounts immediately.