The global issuing and payments platform for organisations that need more than an API.
Two decades of payments experience. Built for what comes next.
With two decades of running complex payments programs, EML Payments gives employers, brands and governments white label payment experiences that work in the real world, not only in a sandbox.
Everything you need to build and run your payments.
Issue, process and program manage cards and accounts. Move money, and manage complex payment flows with real-time intelligence and control, with proven experts behind every transaction.
Create accounts, cards and wallets at scale.
Launch physical, virtual and digital wallet-ready cards with the necessary account structure and lifecycle tools behind them.
Accounts & stored value
Create named or virtual accounts with multi-currency balances.
Digital & physical cards
Issue digital cards instantly or support physical card programs.
Digital wallets & tokenisation
Enable Apple Pay, Google Pay and Samsung Pay with secure tokenisation.
Card lifecycle & self-service
Manage activation, freeze cards and manage replacements and card controls.
Move money in and out of your program.
Collect, fund and pay out across rails and currencies, with unified settlement and reconciliation.
Pay-ins & funding
Bring money in with clear tracking and predictable outcomes.
Payouts & disbursements
Send money out reliably, at scale, with full visibility.
Settlement and reconciliation
Unify settlement and reconciliation across flows
Multi-currency & cross-border
Move money across currencies with confidence.
Shape how money behaves in real time.
Apply real-time spend controls, funding, and program fees to every transaction.
Build trust and protection into every transaction.
Embed identity, fraud, authentication, monitoring and dispute workflows into your payment operations.
Use insights and incentives to drive growth.
Embed loyalty, merchant-funded offers and get real-time actionable insights to lift activation, retention and program performance.
Proven across five sectors that demand more than an API.
EML Payments combines configurable technology, regulatory know-how, proven expertise and end-to-end capability to solve complex payment challenges.
Pay, reward and support your people.
For employers and benefits providers managing pay, expenses, rewards and entitlements for their people.
Salary packaging
Employee rewards
Earned wage access
Expense management
Get funds to people the moment they need it.
For central and local government teams disbursing funds to people who need them.
Disability payments
Benefits and allowances
Carer disbursements
Emergency and crisis relief
Managed funds
Pay customers, suppliers and partners at scale.
For businesses moving money at scale, deliver funds quickly through flexible, branded payment experiences with built-in controls and limits.
B2B payouts
B2C payouts
Corporate incentives
Lending and credit
Turn stored value into customer value.
For brands, retailers and venues managing gift, loyalty and event programs. Create branded value customers can buy, receive and spend wherever you operate.
Gift cards
Stadiums and events
VIP programs
Loyalty and rewards
Cashback and promotions
Control mobility spend wherever it happens.
For fleet teams managing spend beyond the pump. Fuel, EV charging and everyday mobility spend on one open-loop card.
Fleet & Fuel Expenses
*Use cases vary per region, contact Sales for more information.
Complex payments take more than technology.
One partner with the card issuing and processor platform, the licence and the people to launch your program and keep it running as it scales.
Connected and configurable
Cards, accounts, wallets, money movement, controls and data brought together and configured around your program.
Flexible integrations
APIs, pre-built components, white label portals and partner integrations. Connect in the way that works for your team.
One licensed partner
Issuer, processor and program manager capability in one place, with the licensed infrastructure to run complex and regulated programs end-to-end.
Enterprise protection
Security, access controls, data protection, fraud monitoring and sanctions screening protect your program, your users and your money, informed by local regulatory environments.
Global reach, local expertise
Live across APAC, Europe, the UK and North America, with teams who understand local rules, schemes and market realities based on decades of experience.
Run your program with confidence
Let's talk about how EML can help you deliver better outcomes, at scale.
4th Nov 2026
UK Public Sector
NewsTrusted by 150+ public sector customers.
PFSL, part of the EML Payments group, is now a supplier on GCA’s Payment Solutions 3 framework, giving public sector organisations a compliant route to prepaid for direct payments and emergency support.
Fair for You
We power Fair for You’s payments, helping make affordable credit more accessible to UK households underserved by mainstream finance.
Read the story.webp)
Whether you're launching, scaling or migrating, there is a clear way to start.
EML Payments gives you flexible ways to launch, integrate and modernise payment programs, with the tools and support to match where you are today.
Building or scaling a program?
Choose how you connect. Start with ready-made white label portals and components or integrate directly through APIs and webhooks.
Already running a program?
Move onto EML with less disruption. We assess what you have, plan the pathway, and support the migration and the operations that follow.
Explore what’s next in payments.
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Ready to master your payments program?
Whether you're launching, modernising or scaling, an EML specialist will map the right platform, operating model and next steps to get you there. Let's talk.