EML brings issuing, processing and program management together with local licensing, payments technology and an expert Australian based team.
Trusted to power complex payment programs at scale in the APAC region.
We bring together issuing, processing, money movement, controls and program expertise, supported by Australian licencing, local payment connectivity and an experienced team.
Work with a team that understands local payments, regulatory requirements and programme design, helping you move from concept to launch with greater confidence.
Choose from supported physical and/or digital cards, open- or closed-loop acceptance models, branding options, funding structures, spending controls and integration approaches. We design the program around your needs.
Use EML for cardholder services, fraud, reporting, disputes and agreed ongoing services, or combine our support with your own team.
Use EML-managed controls or where appropriate, apply your own program rules through delegated authorisation. This provides a real-time transaction control and decision-making feature that allows businesses to manage how, when, and where card funds are spent.
Support eligible program structures through EML’s Australian licensing framework.
Access scheme relationships, card issuance and program setup through EML.
Support established card payment flows alongside NPP, PayID and BPAY for real-time funding and money movement.
Issue digital cards and let customers add them to Apple Pay, Google Pay and Samsung Pay through your app using EML’s SDK.
Add our Everyday Deals feature to eligible card programs, giving cardholders access to offers funded by participating Australian merchants.
Work with commercial, implementation and program specialists in your market and time zone.
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.
We partner with Mastercard Prepaid Management Services (MPMS) as issuer and BIN sponsor, supporting multi-currency travel card programs across Australia and New Zealand.
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EML Payments can support eligible program structures through its Australian licensing framework, subject to program design and approval.
Yes. White label, co branded and EML branded options are available across cards and digital experiences including app and wallet.
Yes. Connect through portals, reusable components or APIs, depending on the control and integration your program needs.
Yes. Programs can support physical, digital or combined issuance, subject to program design.
Programs can support prefunded, fund on load or just-in-time models, depending on the product and program structure.
EML can support cardholder services, fraud, reporting, disputes and program operations, or work alongside your existing team.
Timelines depend on the program structure, integrations and services required. Our team will map the expected path during discovery.
Pricing is shaped around program volume, operating model, capabilities and service requirements.
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 starting, scaling or looking for specific payment capabilities. Our Australian based team will map the right path to help you grow your payments program.
