We create awesome, instant and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion

People are at the essence of everything we do. It’s about simple, tailored payment solutions for your brand and customers. We’re changing the face of payments.

Inspiring transformative digital change for our customers and communities.

EML provide an innovative global payment solutions platform, with years of experience in delivering innovative and secure payment solutions. We work closely with businesses all around the world to solve their payment needs and create awesome customer experiences.

Wherever money is in motion, our agile technology can power the payment process, so money can be moved quickly, conveniently and securely.

At EML, our customer service is at the heart of what we do. We offer market leading program management and highly skilled payments expertise, to create customisable feature-rich solutions for businesses, brands and their customers. We are with you every step of the way. Your success is our success.

We offer an extensive range of innovative products and payment options including: banking, credit, and disbursements services, earned wage access, gifts, incentives and rewards, open banking and FX solutions.

In short, EML Payments is…

The energy of a start-up, combined with over 150 years of leadership experience.


Incentives + B2B & B2C Cards


Heritage-issued Visa Integration


Launch of general purpose reloadable cards in Australia


Expansion into the UK and Europe


Launch of general purpose reloadable cards in UK and Europe

+ Mastercard licence


Expansion into the USA and Canada

+ Obtain MC licence in Australia


Launch of general purpose reloadable cards in North America

+ Launch of Mobile Rewards
+ Expansion into Scandinavia


Launch of mobile payments

+ Obtain E-money licence in Europe


Launch of largest European mall program

+ Expand into Poland
+ Expanded technology use cases
+ Delegated Authority - Launch of ControlPay
+ Instant mobile gift


Acquisition of Prepaid Financial Services (PFS):

+ Multi Currency
+ Payments as a Service
+ Banking as a Service


EML launches EML Finlabs technology partnerships:
Nuapay partnered with Frollo to create an open banking revolution.

A truly global business with a local presence

With operations in more than 25 countries we work in partnership with our customers, wherever they are, to deliver better outcomes for them and their customers. Our team provides payment solutions at a regional and international level, with all of our team around the world working cohesively on a day-to-day basis to provide a high level of value for our customers.


We operate in 25 countries worldwide. A company of global scale with local know-how and commitment to service.


We are committed to an inclusive and collaborative culture, helping our 534 employees develop their careers and thrive at work every day.


We operate with an annualised Group GDV of over $129bn.

The EML advantage


EML is a principal member of MasterCard in Australia and Europe.

Cardholder Support

All persons communicating with your cardholders are EML employees residing in our offices globally.


EML is certified with the card networks to process and authorise card transactions.

Merchant Support

Dedicated resources for real-time merchant troubleshooting.

Program manager

EML’s extensive experience managing programs across 27 countries on MasterCard, Visa, Eftpos and Discover, uniquely positions EML to provide the knowledge and skill set to deliver an end to end program from one source.


EML holds an Australian Financial Services Licence from the Australian Securities and Investments Commission (ASIC). EML Money DAC holds an E-money licence from the Central Bank of Ireland, making us BREXIT-proof.

Card management

Utilise back-office tools to manage cards, authorisations, and settlements in real-time.


EML undergoes rigorous auditing several times a year to maintain numerous required certifications.


Our highly skilled development teams are all local and at your finger tips constantly improving our product platform and helping you to make the most out of our highly configurable solutions.


All technology has the highest industry standards of security including: Tier 1 PCI-DSS level 1 and soc1/ssae-18.

EML Change for Good

We are committed to operating with sound environmental practices to play our part in protecting the planet. Our social and environmental impact plan addresses plastic reduction, ethical business practices including philanthropic partnerships and a volunteering culture.

Ready to get started?

Drop us a message if you want to talk about working together, or just to have a chat - we'd love to help!