Whether you're paying employees, disbursing public funds, paying partners, selling gift cards or controlling fleet spend, EML Payments brings the platform, the licences and the people into one connected program.
Trusted to power complex payments programs at scale.
A payments program takes more than cards or APIs. It needs the platform to process payments, the licensed infrastructure to issue them, and the people and expertise to keep everything running.
EML brings them together, so you can keep control where it matters and draw on our people where you need them.
Launch through the issuing, scheme and regulated infrastructure required for your market, without building that capability yourself.
Issue cards and accounts, move money, apply controls and manage program activity through one configurable payments platform.
Draw on more than 20 years of payments experience across implementation, financial crime, servicing, reconciliation and day-to-day program operations.
Across our solutions, EML helps organisations get funds where they need to go, control how they're used and create greater value around every payment.
Move money to employees, suppliers, customers and communities through cards, accounts and supported payment rails.
Control where, when and how funds can be used, with rules applied as payments happen.
Add rewards, incentives and offers that create more value around the payment experience.
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.
You don’t need to hand over everything. Choose the support that complements your team and operating model.
Explore Services
Your team owns program operations. EML provides the platform and agreed support.
You retain program ownership and the customer relationship. We take on selected specialist functions.
EML manages agreed program operations with defined responsibilities, governance and service measures.
Programs shaped by the rules and rails of the market they run in.
Overland Park, USA
6100 Sprint Parkway, Suite 4325 Overland Park, KS 66211 001.800.755.5001
Dublin, Ireland
The Greenway, Block C, Ardilaun Court 112 to 114 St Stephen’s Green Dublin 2, D02 TD28 +353 (0)1 255 7111
Birmingham, UK
4th Floor, 11 Brindley Place Birmingham B1 2LP
London, UK
4th Floor, 35 Great St Helen’s London, EC3A 6AP +44 121 212 1116
Malta
2 Triq G. Farrugia Santa Venera, Malta
Sofia, Bulgaria
TETRIX, 23A Dragan Tsankov Blvd Iztok, 1113 Sofia, Bulgaria
Melbourne, Australia
Level 13, 440 Collins Street Melbourne VIC 3000
Sydney, Australia
Suite 2, Level 24, 31 Market Street Sydney NSW 2000
Brisbane, Australia
Level 19, 288 Edward Street Brisbane City QLD 4000
Launch and run programs across APAC with local issuing, scheme and operational expertise.
Support e-money programmes across the UK and EEA through EML’s applicable UK and Irish e-money authorisations, with local teams supporting delivery and operations. Separately, EML supports Limited Network Exclusion (LNE) programmes designed for use within defined merchant networks.
Support programs across selected markets through local partners, scheme connectivity and experienced regional teams.
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.
