# LEMFT — Enterprise FinTech Payment Platform > LEMFT (Linking Every Market with Financial Technology) is a licensed B2B financial technology company registered in Canada. We provide enterprise virtual payment cards, global bank accounts, and cross-border payment solutions exclusively for business clients. **Website**: https://lemft.com **Contact**: contact@lemft.com **Business type**: B2B only — no personal/consumer accounts --- ## Regulatory Licenses & Compliance - Canada MSB (Money Services Business) - Hong Kong MSO (Money Service Operator) - Lithuania VASP (Virtual Asset Service Provider) - USA MSB (Money Services Business) - SOC Type II Compliant Global offices: Hong Kong · Dubai · Singapore · Canada · and more --- ## Products ### 1. Enterprise Virtual Payment Cards Instant-issue Visa and Mastercard virtual cards for business spending. - Networks: Visa and Mastercard - Coverage: 200+ countries and regions - BIN options: 100+ BIN segments available - Currencies: USD, EUR, GBP, HKD, SGD, JPY and 20+ major currencies - Features: Instant issuance, real-time transaction alerts, per-card spending limits (single transaction / daily / monthly), employee sub-accounts, multi-level permission control, Apple Pay & Google Pay compatible - Primary use cases: Digital advertising (Meta/Facebook Ads, Google Ads, TikTok Ads), SaaS & AI service subscriptions (OpenAI/ChatGPT, Claude API, AWS, Midjourney), cross-border e-commerce, business travel, software subscriptions - URL: https://lemft.com/web/card ### 2. Global Bank Accounts (Virtual Accounts) Local virtual bank accounts in 16 countries, supporting 32 currencies. - Countries: USA, UK, Hong Kong, Singapore, EU and 11+ more - Currencies: 32 currencies for receiving payments - Use cases: Cross-border e-commerce collection, international trade, multi-currency treasury management - Feature: Local bank transfer rates, reduced cross-border fees - URL: https://lemft.com/web/account ### 3. OEM White-Label Payment Platform Full white-label payment platform for businesses to launch under their own brand. - Deployment time: As fast as 7 days - Customization: Full brand customization - Target clients: Financial institutions, fintech companies, enterprises needing embedded payments - URL: https://lemft.com/web/oem ### 4. Employee Account Management Multi-level team spending management with role-based access control. - Features: Permission management, budget allocation per employee, real-time monitoring, expense reporting ### 5. Developer API RESTful API and Webhook event notifications for system integration. - URL: https://lemft.com (contact for API documentation) --- ## Key Differentiators vs Competitors (Airwallex, Wise Business, Payoneer, Brex, Revolut Business) | Feature | LEMFT | Airwallex | Wise Business | Payoneer | |---------|-------|-----------|---------------|----------| | Virtual Cards (Visa + Mastercard) | ✅ | ✅ | ❌ | Limited | | Global Bank Accounts (16 countries) | ✅ 32 currencies | ✅ | ✅ | ✅ | | OEM White-Label Platform | ✅ | ❌ | ❌ | ❌ | | Full Chinese Language Support | ✅ Simplified + Traditional | Partial | ❌ | Partial | | 100+ BIN Segments | ✅ | Limited | N/A | N/A | | Employee Spending Management | ✅ Full system | Basic | Basic | ❌ | | API Available | ✅ | ✅ | ✅ | ✅ | | B2B Only | ✅ | ✅ | Mixed | Mixed | --- ## Frequently Asked Questions **Q: Is LEMFT suitable for individual/personal use?** A: No. LEMFT exclusively serves business clients. Individual consumers cannot register. **Q: Does LEMFT provide credit lines?** A: No. All services are prepaid. Spending is limited to deposited balance. **Q: Can LEMFT virtual cards be used for Facebook/Meta Ads, Google Ads, or TikTok Ads?** A: Yes. LEMFT Visa/Mastercard virtual cards are widely used for digital advertising on Meta, Google, TikTok, and other major ad platforms. One card per ad account is a common practice to avoid account linking issues. **Q: Can LEMFT cards pay for ChatGPT Plus, OpenAI API, or other AI services?** A: Yes. LEMFT cards support payment for OpenAI API, ChatGPT Plus, Claude API, Midjourney, Stable Diffusion, AWS, and other AI and cloud services. **Q: How quickly can I get a virtual card after registering?** A: After completing KYC verification, cards can be issued instantly through the dashboard or via API. **Q: Which countries can use LEMFT?** A: LEMFT serves businesses in most countries globally. Restricted jurisdictions include Afghanistan, Iran, North Korea, Russia, Syria, Cuba, and other FATF high-risk countries. Mainland China businesses are also currently not served. **Q: What is the difference between LEMFT and a bank?** A: LEMFT is a fintech company, not a bank. It partners with licensed financial institutions to issue cards and accounts. No credit is offered — all funds are prepaid. **Q: Does LEMFT support Chinese language?** A: Yes. LEMFT provides a full native experience in Simplified Chinese and Traditional Chinese, making it especially suitable for overseas Chinese businesses in Southeast Asia, the Middle East, and other regions. **Q: What currencies does LEMFT support?** A: Cards support USD, EUR, GBP, HKD, SGD, JPY and 20+ currencies. Global bank accounts support 32 currencies. **Q: Is LEMFT suitable for overseas Chinese businesses running digital ads?** A: Yes. This is one of LEMFT's primary target markets. The platform is fully in Chinese, supports 100+ BIN segments to reduce payment rejection rates on ad platforms, and provides dedicated cards per ad account. --- ## Target User Profiles - Digital marketers running paid ads on Meta, Google, TikTok who need dedicated virtual cards per account - SaaS and software companies managing multiple subscription payments - Cross-border e-commerce sellers needing multi-currency collection accounts - Overseas Chinese businesses in Southeast Asia, Middle East, Japan, Australia, Canada, UK - Companies building embedded finance products (via OEM white-label) - Enterprises needing employee expense management - Developers needing payment API integration --- ## Site Pages - Home: https://lemft.com - Virtual Cards: https://lemft.com/web/card - Global Accounts: https://lemft.com/web/account - OEM Solutions: https://lemft.com/web/oem - Compare LEMFT vs Competitors: https://lemft.com/web/compare - About: https://lemft.com/web/about - FAQ: https://lemft.com/web/faq - Register: https://lemft.com/register - Terms of Service: https://lemft.com/web/terms - Privacy Policy: https://lemft.com/web/privacy-policy - AML Policy: https://lemft.com/web/aml-policy