# Gemba — Payment Provider

Gemba (Gemba Finance Ltd) is an FCA-authorised payment institution offering embedded banking and white-label infrastructure for non-banks. Partners can launch branded banking apps giving their customers dedicated accounts and IBANs in currencies including GBP, EUR, USD, CAD and CHF, along with FX, corporate cards, bulk payments and account-to-card payouts. Gemba provides KYC/KYB, compliance, payment processing and customer support as a service, and also offers business accounts directly.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** 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:** 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.
- **Fee model:** flat-rate
- **Categories:** baas, embedded
- **Countries served:** 28 (AT, BE, BG, CY, CZ, DE, DK, EE, ES, FI, FR, GB, …)
- **Payment methods:** bacs, chaps, corporate_card, direct_debit, escrow, faster_payments, sepa, swift, virtual_account

## Legal & compliance

Legal entities:
- GEMBA FINANCE LTD — United Kingdom — licenses: Payment Institution, GB, FCA

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/gemba#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=gemba&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/gemba

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)