Set the rules that determine where, when and how money can be used. EML Payments applies spend controls, funding rules and payment decisioning to help keep transactions aligned with your program.
Processing at scale on regulated, scheme certified infrastructure.
Apply controls at program, account, card or user level and adapt them as your program changes.
Allow or restrict spend by merchant, merchant category, or even individual merchant terminal.
Set transaction and cumulative limits by day, week, month or program.
Control how cards can be used, including online, in-store, ATM, contactless and recurring payments.
Allow or restrict transactions by country or region.
Limit the number or value of transactions that can occur within a defined period.
Choose to use delegated authorisation to route transactions to your own systems for real-time approval or decline.
Apply rules, make payment decisions and manage funds at the moment of transaction.
Contact salesControl where, when and how money can be used through configurable rules at program, account, card or user level.
Manage decisions directly on platform, or route them to external services in real-time to apply additional policies or controls.
Choose how and when funds become available, from traditional pre-funded models to conditional and just-in-time funding.
Apply program-defined fees automatically and generate billing-ready events, journals and invoicing outputs for finance workflows.
Keep a record of the rules checked, decisions made and changes applied, giving operations, risk and compliance greater visibility.
Program controls can be reviewed and adjusted as needs change. EML manages the controls required for operational, risk and regulatory purposes, while selected controls may be available for your team to manage within agreed parameters.
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.
Start with the business rule. Who can spend, where they can spend, how much they can use and what happens when something falls outside the rules.
Translate policy into program, account, card and user-level rules across limits, merchants, categories, channels, geographies and velocity.
The transaction arrives for authorisation with information including the merchant, value, channel and location.
The platform evaluates the transaction against applicable balances, spend controls, card status and fraud checks.
EML approves or declines according to the configured rules or, where delegated authorisation is enabled, routes the decision to your systems.
The checks, outcome and available decision data are captured, creating a record for operations, reporting and oversight.
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.
Yes. Delegated authorisation routes the authorisation request to your systems in real time, so your rules and your ledger decide while the cardholder is still at the terminal. It is used for credit and debit BIN programs as well as prepaid. Product capabilities will vary by region. Contact our EML Payments sales team for details.
Rules can be set at program, account, card or individual user level, by merchant, merchant group, category code, value, velocity, channel, country and card status.
Rules are configuration rather than code, so most changes are made through the portal or the API and apply to the next transaction. Unusual payment types and new payment initiation experiences do need engineering, and we will tell you which is which before you commit.
It is declined at authorisation, before the money moves, and the decision is recorded with the reason. The cardholder is not left guessing and your support team is not reconstructing it later.
Yes. Prefunded, conditional and just-in-time models are supported, so funds can be made available at the point an approved transaction happens rather than sitting in a float. This is usually the single biggest working capital change a program can make.
Every authorisation decision and every rule change is recorded. Reporting outputs are produced from that record rather than assembled on request, so the evidence exists before the question is asked.
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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