We power the payments behind Australia’s leading salary packaging programs, helping employees access eligible benefits through one simple card experience.
Australian salary packaging providers manage benefit accounts, transaction rules and FBT requirements while giving employees an easy way to access their eligible benefits.
Talk to our team about how EML can help you modernise and scale your payment programme.
Contact usSalary packaging is designed to make eligible employee benefits go further, but behind a simple card experience sits a complex payments program. Salary packaging providers need to manage benefit accounts, transaction rules and FBT requirements, while giving employees an easy way to access their eligible Living Expenses and Meal & Entertainment funds.
With more than 20 years of Australian salary packaging experience, EML brings the payments layer together through one connected solution. Employees can access eligible Living Expenses and Meal & Entertainment accounts through one physical or digital card, with program rules applied in real time when they pay. Behind the card, EML supports issuing, processing, settlement, reporting, acceptance controls and program operations.
Today, EML supports more than 500,000 employees and $2.5 billion in salary packaging funds loaded and spent each year. For providers, that means an experienced payments partner supporting the infrastructure and controls behind the program. For employees, it means something much simpler: one card to access their eligible benefits for everyday purchases.
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.
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