ISSUE

Create accounts, cards and wallets at scale.

Issue branded digital, physical and wallet-ready cards with configurable controls, flexible funding and the operational support to keep your program moving.

Blurred office deskEML prepaid card added to a mobile walletVirtual card, physical card and wallet-ready toggles enabled

Card issuing at scale on regulated, scheme certified infrastructure.

30m+
Cards issued every year
Mastercard & Visa Principal Members
1,100+
Client programs supported  
Across 27 countries
20+ years
Running complex payments programs  
PCI DSS, SOC1 Type 2, SOC2 Type 2, SSAE-18 audited

Configure the card program your business needs.

From simple prepaid cards to complex multi-market programs, configure how cards are branded, funded, delivered, accepted and controlled.

Branded or generic

Put your brand on the card or use a generic design to launch faster.

Digital, physical or both

Issue digital cards, physical cards, or both versions as part of the same card program.

Single load or reloadable

Load funds once for a set value or allow cards to be topped up for ongoing use.

Open loop or closed loop

Enable spend across the scheme network, or limit to a defined network of participating merchants.

Pre-funded or just-in-time

Make funds available upfront or when an approved transaction takes place.

Single or multi-currency

Support programs across currencies and markets.

The building blocks of modern card issuing.

Bring cards, funding, acceptance controls and lifecycle management together in one program, supported from setup through to ongoing operations.

Contact sales
01
Accounts and stored valueStructure and fund your card program

Behind every card is an account. It holds your program’s money and tracks it, as one accurate, live record you and your finance team can trust.

Flexible account structures
Use linked accounts, sub-accounts or balance buckets to separate funds by benefit, budget or use case, with visibility from program to cardholder level.
Virtual IBANs and currencies
Use account identifiers, virtual IBANs and multi-currency balances as part of your account setup.
Flexible funding
Support single-load, reloadable, pre-funded and unfunded card models.
Account balance AUD 125,430 with sub-account breakdown
02

Issue digital cards for online and in-app payments, with eligible cards able to be added to supported digital wallets.

Digital issuance
Create card credentials in real time, ready to use as soon as they’re issued.
Purpose-built credentials
Configure cards around a user, purpose, value, merchant, expiry period or program event.
Single, bulk or triggered creation
Create one card, issue in bulk, generate single-use cards or trigger card creation automatically from a workflow.
Digital and physical together
Support digital and physical versions of the same card, giving cardholders faster access while a physical card is produced and delivered.
Issue a digital card form with purpose, spend limit and expiry
03

Issue physical cards for in-store, online and ATM use, with production, personalisation and delivery managed as part of the program.

Production and personalisation
Manage card production and personalisation as part of the issuing process.
Fulfilment and activation
Support card delivery and activation workflows from issue through to first use.
Digital-first options
Give cardholders access to an eligible digital version while their physical card is being produced or delivered.
Card production status from personalisation to delivery
04

Enable cardholders to add eligible cards to supported digital wallets, so they can tap in-store, online and in-app.

Simple wallet provisioning
Add eligible cards to Apple Pay, Google Pay, Samsung Pay and other supported digital wallets from an app or web journey, helping cardholders start paying sooner.
Faster access
Help cardholders start using their card faster and securely, both in-store and online.
Card added to a phone wallet
05

Define the rules that determine whether a transaction should be approved. Control spend by merchant, category, amount, frequency, channel, location or time period.

Where cards can be used
Allow or restrict spend by merchants, merchant group, category or location.
How much can be spent
Set transaction, daily, weekly, monthly or program-level limits.
How cards can be used
Control online, in-store, in-app, ATM, contactless and recurring payment usage.
Spending control settings for merchants, limits and channels
06

Give cardholders convenient self-service while giving your teams the visibility and control they need.

Cardholder self-service
Use APIs, SDKs or EML white label portals to let cardholders view card details, balances and transactions, and manage their cards.
Lifecycle management
Activate, suspend, freeze, unfreeze, replace, reissue, expire and close cards throughout their lifecycle.
Wallet updates
Help keep supported digital wallets up to date when an eligible card is replaced or reissued.
Automated renewal
Support automated card renewal for ongoing reloadable card programs.
Operational records
Track status changes, service actions and activity history to support operations, reporting and audit.
Card management with freeze, replace, renewal and activity history controls
Account balance AUD 125,430 with sub-account breakdownIssue a digital card form with purpose, spend limit and expiryCard production status from personalisation to deliveryCard added to a phone walletSpending control settings for merchants, limits and channelsCard management with freeze, replace, renewal and activity history controls

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.

Explore ways to connect

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 services

From program setup to live card operations.

Step 1

Choose your launch path

Program templates, prebuilt components and portals, or direct integration via APIs. Pick the path that matches your needs.

Step 2

Configure the rules

Decide what the card can do before one exists. Configure currencies, funding model, account structure, spend controls and restrictions.

Step 3

Fund the accounts

Choose how money reaches the card. Load it upfront, top it up when needed, or hold it centrally and release it only when a transaction is approved.

EML prepaid card
Step 4

Issue the cards

Digital in seconds or physical in the post. Branded or generic, one card or a hundred thousand. Eligible cards can be added to supported digital wallets.

Step 5

Process controlled spend

When a transaction happens, the platform checks it against your program rules before approving or declining it.

Step 6

Manage and optimise

Take control of lifecycle, reporting, reconciliation and settlement, or choose the level of operational support from EML you need.

Proven across five sectors that demand more than an API.

Across five sectors, EML combines configurable technology, regulatory know-how, proven expertise and end-to-end capability to solve complex payment challenges.

*Use cases vary per region, contact Sales for more information.

OUR PLATFORM

Everything you need to build and run your payments.

Issue, process and project manage cards ad accounts. Move money and manage complex payment flows with real-time intelligence and control, with proven experts behind every transaction.

Issue

Create accounts, cards and wallets at scale.

Explore Issue

Move

Move money in and out of your program.

Explore Move

Process

Shape how money behaves in real time.

Explore Process

Protect

Build trust and protection into every transaction.

Explore Protect

Engage

Use insights and incentives to drive growth.

Explore Engage

Connect

Build with white label portals, pre-built components or direct integration.

Explore Connect
WHY CHOOSE EML PAYMENTS

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.

Cards, accounts, wallets, money movement, controls and data brought together and configured around your program.

APIs, pre-built components, white label portals and partner integrations. Connect in the way that works for your team.

Issuer, processor and program manager capability in one place, with the licensed infrastructure to run complex and regulated programs end to end.

Security, access controls, data protection, fraud monitoring and sanctions screening protect your program, your users and your money, informed by local regulatory environments.

Live across APAC, Europe, the UK and North America, with teams who understand local rules, schemes and market realities based on decades of experience.

Real experts alongside the technology, from pilot through to live operation. You get a partner, not a ticket number.

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.