Understand how your payment program is being used, add eligible merchant-funded offers (in APAC) and create branded experiences that give cardholders more reasons to engage.
Data, loyalty and experiences built around your payment program.
Use our Engage capabilities individually or as part of a broader payment program. Understand program activity, add eligible merchant-funded offers and create branded payment experiences that fit your proposition.
Give eligible cardholders access to discounts funded by participating merchants, without funding every reward yourself.
Add cashback, points or tiered rewards triggered automatically by eligible card transactions.
Access transaction and program data through dashboards and reporting to understand activity, balances, spend and performance.
Extend your brand across physical cards, digital experiences, packaging and wearables.
Bring supported data, rewards and offers into your own customer and program-management experiences through available EML integration options.
Choose the capabilities that solve the problem in front of you, from better program visibility to rewards, offers and branded experiences.
Contact salesBuild cashback, points or tiered rewards around card spend, with eligible transactions triggering the reward automatically.
Give eligible cardholders access to offers funded by participating merchants.
Use transaction and program data to understand activity, support reporting and improve how the program performs.
Create distinctive payment experiences through custom card design, premium materials, packaging and alternative form factors.
EML Payments gives you flexible ways to launch, integrate and modernise payment programs, with the tools and support to match where you are today.
Choose how you connect. Start with ready-made white label portals and components or integrate directly through APIs and webhooks.
Move onto EML with less disruption. We assess what you have, plan the pathway, and support the migration and the operations that follow.
Everyday Deals runs across commercial, government and not for profit portfolios in Australia, applying merchant funded offers automatically every time a cardholder spends. In the first half of 2026 it returned close to half a million dollars to cardholders, with more than two redemptions each on average, and none of it came out of our customer’s marketing budget.
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Across five sectors, EML combines configurable technology, regulatory know-how, proven expertise and end-to-end capability to solve complex payment challenges.
For employers and benefits providers managing pay, expenses, rewards and entitlements for their people.
Salary packaging
Employee rewards
Earned wage access
Expense management
For central and local government teams disbursing funds to people who need them.
Disability payments
Benefits and allowances
Carer disbursements
Emergency and crisis relief
Managed funds
For businesses moving money at scale, deliver funds quickly through flexible, branded payment experiences with built-in controls and limits.
B2B payouts
B2C payouts
Corporate incentives
Lending and credit
For brands, retailers and venues managing gift, loyalty and event programs. Create branded value customers can buy, receive and spend wherever you operate.
Gift cards
Stadiums and events
VIP programs
Loyalty and rewards
Cashback and promotions
For fleet teams managing spend beyond the pump. Fuel, EV charging and everyday mobility spend on one open-loop card.
Fleet & Fuel Expenses
*Use cases vary per region, contact Sales for more information.
Everyday Deals is live in Australia, with offers from leading Australian brands applied automatically at the point of sale.
The merchants do. Offers in the network are merchant funded, so cardholders get value and you get the engagement without funding the reward. Rewards you want to fund yourself, such as cashback or points, run alongside it on the same card.
Nothing. Cardholders are enrolled automatically at card activation. There are no forms, no sign up and no codes, which is the main reason redemption rates hold up.
Not if you already run a reloadable program with us. The offers network attaches to it, and terms, FAQs and marketing collateral are supplied and refreshed. If you want offers inside your own app rather than the EML app, that uses our SDKs.
Forty data points on every transaction, surfaced through real time dashboards in the client portal covering spend, loads, balances and account activity, with self serve exports. Payment, compliance and finance data come from the same record, so the reports agree with each other.
Near real time, in the portal, rather than a monthly file. The point is that you can act on what you see while the program month is still running.
The reporting model is the same everywhere. What differs is the offers network behind it, which depends on merchant relationships in each country.
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.
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.
Create accounts, cards and wallets at scale.
Move money in and out of your program.
Shape how money behaves in real time.
Build trust and protection into every transaction.
Use insights and incentives to drive growth.
Build with white label portals, pre-built components or direct integration.
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.
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