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PayXL

PayXL

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
Custom 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 PayXL
Regions

0 shared

9 unique to PayXL
Pay methods

5 shared

20 unique to PayXL · 4 unique to Gemba
On fees

PayXL uses custom pricing, quoted on engagement. Gemba publishes 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. from. Verify directly with each provider before signing.

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8 features · 29 payment methods · 9 regions. We don't rank these — they're here for reference.
PayXL PayXL
Gemba Gemba
Quick Facts
Fees
Standard transaction rate
Custom
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
Same day
—
Founded
—
—
Headquarters
Canada
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
PayXL leads (8 vs 0)
Crypto Support Unique
✓
—
High Risk Accepted Unique
✓
—
Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Multi Currency Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Virtual Terminal Unique
✓
—
Payment Methods
PayXL leads (25 vs 9)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Bacs Unique
—
✓
Bank Transfer Unique
✓
—
Bitcoin Unique
✓
—
Bnpl Unique
✓
—
Chaps
✓
✓
Corporate Card Unique
—
✓
Crypto Unique
✓
—
Direct Debit Unique
—
✓
Escrow Unique
—
✓
Ethereum Unique
✓
—
Faster Payments
✓
✓
Installments Unique
✓
—
Klarna Unique
✓
—
Lightning Network Unique
✓
—
Litecoin Unique
✓
—
Real Time Payments Unique
✓
—
Sepa
✓
✓
Sepa Direct Debit Unique
✓
—
Solana Unique
✓
—
Stablecoin Unique
✓
—
Swift
✓
✓
Usdc Unique
✓
—
Usdt Unique
✓
—
Virtual Account
✓
✓
Wire Transfer Unique
✓
—
Xrp Unique
✓
—
Regions
PayXL leads (9 vs 0)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
Global Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
✓
—
South America Unique
✓
—
Southeast Asia Unique
✓
—

PayXL is best when you...

Need Crypto Support
Not available with Gemba
Need High Risk Accepted
Not available with Gemba
Want coverage in Africa, Asia, Europe, Global, Latin America, Middle East, North America, South America, Southeast Asia
Gemba doesn't cover these regions
View PayXL

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 PayXL and Gemba?
They share 5 payment methods and 0 regions. PayXL adds ACH, Affirm, Afterpay and 17 more that Gemba does not list; Gemba adds Bacs, Corporate Card, Direct Debit and 1 more that PayXL does not list; PayXL also covers Africa, Asia and 7 more; only PayXL offers Crypto Support, High Risk Accepted and 6 more.
Which is cheaper, PayXL or Gemba?
PayXL has custom pricing quoted on engagement; 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 PayXL and Gemba?
PayXL lists 9 regions and 25 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 PayXL and Gemba compare on integration and settlement?
PayXL publishes a settlement time of Same day.

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