GoCardless
Recurring payments
VS
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.
Fees from
1%–1.4% + £0.2 vs 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.
Features
0 shared
3 unique to GoCardless
Regions
0 shared
3 unique to GoCardless
Pay methods
4 shared
3 unique to GoCardless · 5 unique to Gemba
On licensing
Not enough published data on licensing for a fair verdict — open the full specs below for reference.
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Show full specs 3 features · 12 payment methods · 3 regions. We
don't rank these — they're here for reference.
Show full specs
3 features · 12 payment methods · 3 regions. We
don't rank these — they're here for reference.
GoCardless GembaQuick Facts
Fees
Standard transaction rate
1%–1.4% + £0.2
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.
Settlement
Time to receive funds
2–5 business days
—
Founded
2011
—
Headquarters
London, United Kingdom
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features GoCardless leads (3 vs 0)
GoCardless leads (3 vs 0)Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Recurring Payments Unique
✓
—
Payment Methods Gemba leads (9 vs 7)
Gemba leads (9 vs 7)Ach Unique
✓
—
Bacs
✓
✓
Bank Transfer Unique
✓
—
Chaps Unique
—
✓
Corporate Card Unique
—
✓
Direct Debit
✓
✓
Escrow Unique
—
✓
Faster Payments
✓
✓
Sepa
✓
✓
Sepa Direct Debit Unique
✓
—
Swift Unique
—
✓
Virtual Account Unique
—
✓
Regions GoCardless leads (3 vs 0)
GoCardless leads (3 vs 0)Europe Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—
GoCardless is best when you...
Recurring payments
Need Instant Payout
Not available with Gemba
Need Low Fees
Not available with Gemba
Want coverage in Europe, North America, Oceania
Gemba doesn't cover these regions
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.
Frequently Asked Questions
What is the difference between GoCardless and Gemba?
They share 4 payment methods and 0 regions. GoCardless adds ACH, Bank Transfer, SEPA Direct Debit that Gemba does not list; Gemba adds CHAPS, Corporate Card, Escrow and 2 more that GoCardless does not list; GoCardless also covers Europe, North America and 1 more; only GoCardless offers Instant Payout, Low Fees and 1 more.
Which is cheaper, GoCardless or Gemba?
GoCardless has published rates from 1%–1.4% + £0.2; 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.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use GoCardless and Gemba?
GoCardless lists 3 regions and 7 payment methods; Gemba lists 0 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do GoCardless and Gemba compare on integration and settlement?
GoCardless offers a sandbox, Gemba does not list one; GoCardless supports webhooks; GoCardless publishes a settlement time of 2–5 business days.
Are you GoCardless or Gemba?
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