We power Paygoo’s prepaid card programmes across Norway, Finland and Sweden, providing the issuing expertise and infrastructure to help the business scale with confidence.

Paygoo offers two Mastercard prepaid cards, Paygoo Gift and Paygoo Reload, through programmes across Norway, Finland and Sweden. Both can be used online and in store wherever Mastercard is accepted, giving consumers a gift option or a reloadable alternative to traditional credit and debit cards. As the business grew, Paygoo needed a card issuing partner that could scale with it, simplify programme management and help it meet regulatory requirements, without adding operational complexity.
Since 2020, EML has been the issuer behind Paygoo’s card programmes. EML’s issuing, technology and expertise sit behind every Paygoo Gift and Paygoo Reload card, helping Paygoo operate efficiently and stay compliant as it grows across its markets. Paygoo describes EML as more than a card issuer, bringing expert guidance and a collaborative approach as the business has grown.
EML has helped Paygoo build a more scalable and resilient card programme, reducing complexity and strengthening its operations while maintaining a high level of service for customers. Backed by reliable infrastructure and expert guidance, Paygoo has the confidence to pursue new opportunities and keep growing.
“EML feels like an extension of our own team. Their people are knowledgeable, responsive, and genuinely invested in helping us succeed.” — Catrine Joseph-Christensen, Customer Success Manager, Paygoo
Talk to an EML specialist about the payment programme you want to launch, modernise or scale. We will help you map the right platform capabilities, operating model and next steps.