Issue branded digital, physical and wallet-ready cards with configurable controls, flexible funding and the operational support to keep your program moving.
Card issuing at scale on regulated, scheme certified infrastructure.
From simple prepaid cards to complex multi-market programs, configure how cards are branded, funded, delivered, accepted and controlled.
Put your brand on the card or use a generic design to launch faster.
Issue digital cards, physical cards, or both versions as part of the same card program.
Load funds once for a set value or allow cards to be topped up for ongoing use.
Enable spend across the scheme network, or limit to a defined network of participating merchants.
Make funds available upfront or when an approved transaction takes place.
Support programs across currencies and markets.
Bring cards, funding, acceptance controls and lifecycle management together in one program, supported from setup through to ongoing operations.
Contact salesBehind every card is an account. It holds your program’s money and tracks it, as one accurate, live record you and your finance team can trust.
Issue digital cards for online and in-app payments, with eligible cards able to be added to supported digital wallets.
Issue physical cards for in-store, online and ATM use, with production, personalisation and delivery managed as part of the program.
Enable cardholders to add eligible cards to supported digital wallets, so they can tap in-store, online and in-app.
Define the rules that determine whether a transaction should be approved. Control spend by merchant, category, amount, frequency, channel, location or time period.
Give cardholders convenient self-service while giving your teams the visibility and control they need.
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.
Program templates, prebuilt components and portals, or direct integration via APIs. Pick the path that matches your needs.
Decide what the card can do before one exists. Configure currencies, funding model, account structure, spend controls and restrictions.
Choose how money reaches the card. Load it upfront, top it up when needed, or hold it centrally and release it only when a transaction is approved.
Digital in seconds or physical in the post. Branded or generic, one card or a hundred thousand. Eligible cards can be added to supported digital wallets.
When a transaction happens, the platform checks it against your program rules before approving or declining it.
Take control of lifecycle, reporting, reconciliation and settlement, or choose the level of operational support from EML you need.
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.
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.
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.
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.
