“Can Guavapay evolve from a UK-regulated EMI offering multi-currency accounts into a full-stack financial OS for global SMEs, combining payments, acquiring, payroll, and embedded lending?”
Founded in 2019 as a Small Electronic Money Institution in London, Guavapay initially focused on consumer multi-currency accounts and global payments under the MyGuava brand. The company expanded into B2B with MyGuava Business, offering corporate accounts, acquiring services, and global payroll solutions. In 2025, it deepened its embedded finance offering by partnering with YouLend to provide SME financing, signalling a push to become a broader financial services platform for businesses rather than a pure payments provider.
Guavapay discloses Guavapay Limited (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Guavapay does not disclose a bank charter of its own; its banking services are provided through Guavapay Limited (in-house).
Guavapay processes payments through Guavapay Acquiring (self-operated). Disclosed money-movement rails: SWIFT, SEPA and Faster Payments.
Guavapay's cards are issued through Guavapay Limited (in-house).
Guavapay connects to bank accounts through Yapily.
Guavapay uses Guavapay (in-house) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 7 layers in Guavapay's stack: Payments / PSP (Guavapay Acquiring (self-operated)); Money movement (SWIFT, SEPA and Faster Payments); Banking / BaaS (Guavapay Limited (in-house)); Card issuing (Guavapay Limited (in-house)); Lending (Working capital financing for UK SMEs (via YouLend)); Open banking (Yapily); FX & payouts (Guavapay (in-house)).
Guavapay is founded in 2019 and headquartered in London, UK (Monument Place, 24 Monument Street, London, EC3R 8AJ).
Get a read on where your own stack stands against Guavapay and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.