Stripe and Wise handle individual transactions. Gemba is a full infrastructure layer — accounts, bulk payouts, collections, and cards in one place, under your brand. One integration replaces multiple providers, eliminates reconciliation overhead, and turns per-transaction costs into per-transaction earnings.

Gemba is FCA-authorised (FRN: 804853) and acts as the regulated entity for all financial activity on your platform. KYC, AML, and sanctions screening are fully managed by Gemba — nothing lands on your team. Your end customers' funds are held in segregated accounts with Tier 1 banks, per FCA Payment Services Regulations. No licence, no compliance hire, no exceptions.

Most partners are operational within days. Compliance approval takes approximately 1 day for a standard UK company, after which your payment infrastructure is live and end-customer accounts are open for business.

Full UK stack plus international:

UK: Faster Payments, BACS, CHAPS. International: SEPA, SWIFT.

Bulk payouts to multiple recipients in a single operation. Account-to-card payments. Payment collection from clients into your platform accounts. Multi-currency IBANs in GBP, EUR, USD, CAD, CHF and more.

No upfront build cost. No maintenance fees for UK companies.

You earn 20% of Gemba's base transaction fees on every transaction. You can set your own fees on top, and keep 70% of what you charge. Account review from £15.

Your payment layer earns revenue from day one.

The compliance-driven account freezes common at legacy banks usually happen because they screen reactively — after a problem appears. Gemba screens proactively: every customer goes through full KYC, KYB, and AML before their account is approved. That's what keeps day-to-day operations smooth.

If a payment is ever queried or delayed for any reason, Gemba handles it directly. Your customers contact us — your team stays out of it entirely.