Salary Packaging

EML offers the most comprehensive Australian end-to end salary packaging services including issuance, processing, program management and real-time merchant discounts.

The Challenges

Following changes made by the RBA to salary packaging rules in Australia, companies that offer salary packaging services must now use prepaid cards. As a result, all of the major banks have opted out of the market, leaving companies to find an alternative to continue offering these value-add services to their employers, many of which play critical roles in Australia's health care, education or public services.

The Solution:

EML’s customisable service solution offers superior functionality and benefits, in a simple, straight forward process. Our innovative solution provides just one card that can access funds from multiple accounts in real-time, eliminating the need for your employee to carry multiple cards in their wallet. This multi-account feature also allows you to offer real-time incentive and rewards that are redeemed at point-of-sale without the need to scan barcodes or carry additional loyalty cards. Our complete full-service program management includes, fraud prevention, chargeback management, and full compliance with the Australian Tax Office Fringe Benefit Tax (FBT) requirements.

Benefits: :
  • Simplicity and convenience of one card
  • Additional merchant discount rewards
  • Easy to apply spend controls
  • Convenient card account monitoring
  • Full compliance with ATO requirements and FBT management
Multi-account Reloadable Card:

EML offers a single card with multiple account access to general living expenses and meal/entertainment services. EML’s solution includes both physical and virtual cards.

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Embedded Merchant Discounts:

Offer your customers instant discounts tied to their EML cards to boost card loyalty and reward your customers.

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Portal/Self-Service Tools:

EML provide a portal with a suite of self-service tools for employers to monitor individual card programs, which is coupled with a mobile app for employees to access and track their accounts.


Apply spend controls to ensure all charges meet specific criteria i.e. only allow food/beverage purchases on the meal/entertainment account.

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