“Can a European EHR own the entire operating stack of private healthcare — from clinical notes to embedded billing?”
Founded in 2015 as Heydoc, a UK practice management/EHR system for private clinicians, rebranded to Semble around 2022 as it expanded from solo GPs to multi-site enterprise providers. Recently moved beyond pure SaaS into embedded finance with Semble Pay — a Stripe-powered billing product that replaces the prior 'bring-your-own-Stripe' integration and adds Klarna BNPL and in-clinic terminals — turning payments into a native revenue line alongside the core EHR.
Semble processes payments through Stripe and Semble Pay (self-branded, powered by Stripe).
Semble's lending and capital products are provided by Klarna.
Semble integrates with Xero.
The Embedded Finance Index 2026 maps 3 layers in Semble's stack: Payments / PSP (Stripe and Semble Pay (self-branded, powered by Stripe)); Lending (Klarna and Instalment payments for patients (3 interest-free instalments via Klarna)); Accounting (Xero).
Semble was founded by Christoph Lippuner and is founded in 2015, headquartered in London, United Kingdom.
Semble has raised ~$70M+ (incl. £30M Series C) in total (latest round: Series C, 2025 (£30M)).
Get a read on where your own stack stands against Semble 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.