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Paypercut

Paypercut

Small and growing businesses in Europe looking for affordable, flexible online payments and a single integration to scale across markets.

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.

Gemba
Fees from
0.99%–2.69% 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

8 unique to Paypercut
Regions

0 shared

1 unique to Paypercut
Pay methods

0 shared

11 unique to Paypercut · 9 unique to Gemba
On payment methods

Paypercut supports 11 payment methods, 2 more than Gemba. Verify directly with each provider before signing.

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Show full specs
8 features · 20 payment methods · 1 regions. We don't rank these — they're here for reference.
Paypercut Paypercut
Gemba Gemba
Quick Facts
Fees
Standard transaction rate
0.99%–2.69%
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
1–2 business days
—
Founded
2025
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Paypercut leads (8 vs 0)
Instant Sandbox Unique
✓
—
Low Fees Unique
✓
—
Marketplace Support Unique
✓
—
Mobile Payments Unique
✓
—
Multi Currency Unique
✓
—
Recurring Billing Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Paypercut leads (11 vs 9)
Apple Pay Unique
✓
—
Bacs Unique
—
✓
Blik Unique
✓
—
Bnpl Unique
✓
—
Chaps Unique
—
✓
Corporate Card Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Direct Debit Unique
—
✓
Escrow Unique
—
✓
Faster Payments Unique
—
✓
Google Pay Unique
✓
—
Maestro Unique
✓
—
Mastercard Unique
✓
—
Payment Link Unique
✓
—
Qr Code Unique
✓
—
Sepa Unique
—
✓
Swift Unique
—
✓
Virtual Account Unique
—
✓
Visa Unique
✓
—
Regions
Paypercut leads (1 vs 0)
Europe Unique
✓
—

Paypercut is best when you...

Small and growing businesses in Europe looking for affordable, flexible online payments and a single integration to scale across markets.
Need Instant Sandbox
Not available with Gemba
Need Low Fees
Not available with Gemba
Want coverage in Europe
Gemba doesn't cover this region
View Paypercut

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

Frequently Asked Questions

What is the difference between Paypercut and Gemba?
They share 0 payment methods and 0 regions. Paypercut adds Apple Pay, BLIK, Buy Now Pay Later and 8 more that Gemba does not list; Gemba adds Bacs, CHAPS, Corporate Card and 6 more that Paypercut does not list; Paypercut also covers Europe; only Paypercut offers Instant Sandbox, Low Fees and 6 more.
Which is cheaper, Paypercut or Gemba?
Paypercut has published rates from 0.99%–2.69%; 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 Paypercut and Gemba?
Paypercut lists 1 region and 11 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 Paypercut and Gemba compare on integration and settlement?
Paypercut publishes a settlement time of 1–2 business days.

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