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Gemba

Gemba

UK and EU fintechs, platforms, marketplaces and communities that want to offer their own branded business accounts, IBANs, FX, payouts and cards without holding their own licence.

VS

FIS

Enterprise banking and capital markets technology

FIS
Fees from
Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00. vs Custom
Features

0 shared

1 unique to FIS
Regions

0 shared

6 unique to FIS
Pay methods

0 shared

9 unique to Gemba · 14 unique to FIS
On payment methods

FIS supports 14 payment methods, 5 more than Gemba. Verify directly with each provider before signing.

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1 features · 23 payment methods · 6 regions. We don't rank these — they're here for reference.
Gemba Gemba
FIS FIS
Quick Facts
Fees
Standard transaction rate
Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00.
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
—
1968
Headquarters
—
Jacksonville, Florida, United States
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
FIS leads (1 vs 0)
Enterprise Unique
—
✓
Payment Methods
FIS leads (14 vs 9)
Ach Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bacs Unique
✓
—
Bank Transfer Unique
—
✓
Chaps Unique
✓
—
Contactless Unique
—
✓
Corporate Card Unique
✓
—
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners Unique
—
✓
Direct Debit Unique
✓
—
Discover Unique
—
✓
Escrow Unique
✓
—
Faster Payments Unique
✓
—
Google Pay Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Sepa Unique
✓
—
Swift Unique
✓
—
Virtual Account Unique
✓
—
Virtual Card Unique
—
✓
Visa Unique
—
✓
Regions
FIS leads (6 vs 0)
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Gemba is best when you...

UK and EU fintechs, platforms, marketplaces and communities that want to offer their own branded business accounts, IBANs, FX, payouts and cards without holding their own licence.
View Gemba

FIS is best when you...

Enterprise banking and capital markets technology
Need Enterprise
Not available with Gemba
Want coverage in Asia, Europe, Latin America, North America, Oceania, Southeast Asia
Gemba doesn't cover these regions
View FIS

Frequently Asked Questions

What is the difference between Gemba and FIS?
They share 0 payment methods and 0 regions. Gemba adds Bacs, CHAPS, Corporate Card and 6 more that FIS does not list; FIS adds ACH, Amex, Apple Pay and 11 more that Gemba does not list; FIS also covers Asia, Europe and 4 more; only FIS offers Enterprise.
Which is cheaper, Gemba or FIS?
Gemba has published rates from Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00.; FIS has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Gemba and FIS?
Gemba lists 0 regions and 9 payment methods; FIS lists 6 and 14. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Gemba and FIS compare on integration and settlement?
FIS offers a sandbox, Gemba does not list one; FIS supports webhooks; FIS publishes a settlement time of 1–2 business days.

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