Bring processing, program management and payment infrastructure together with one experienced payments team across North America.
Trusted to power complex payment programs at scale across North America.
Processing, program management and issuing through established bank partners, connected through one experienced team and one platform.
Bring processing, program management and issuing relationships together through a coordinated operating model, without stitching multiple providers together.
Choose reloadable, single-load or account-and-card programs, with digital or physical cards, flexible funding, spend controls and branded experiences.
Draw on EML Payment's for implementation, cardholder servicing, fraud, reporting and day-to-day program operations, or combine our support with your own team.
Launch through EML Payment's established North American issuing relationships, with the appropriate structure confirmed during program design.
Bring authorization, spend controls, transaction processing, settlement and reconciliation together through EML’s proprietary processing capabilities.
Use delegated authorization for supported programs to route authorization decisions in real time and apply your own business rules or ledger logic.
Support personalized physical cards and eligible digital cards, including provisioning into Apple Pay, Google Pay and Samsung Pay.
Connect through APIs, self-service portals and supported white label experiences.
Across five sectors, EML Payments combines configurable technology, regulatory know-how, proven expertise and end-to-end capability to solve complex payment challenges.
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 power The Bellevue Collection’s gift card program, giving shoppers a modern, flexible way to gift and spend across participating retailers.
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EML Payments works through established and successful issuing bank partnerships in North America. Your issuing bank is confirmed as part of program design.
Yes. EML supports programs in both markets, with the program structure and issuing arrangements confirmed during scoping.
Yes. White label, co branded and EML branded options are available across cards, app and wallet.
Yes. Connect through APIs for full integration, or through portals for self service, depending on the control your program needs.
Yes. Personalized physical cards with fulfillment and delivery, digital cards for Apple, Google and Samsung wallets, or all three.
EML can support cardholder lifecycle, fraud management and compliance reporting, or work alongside your team. A dedicated project team covers discovery to go live, with 30 to 60 days of post launch support included as standard.
Timelines depend on program structure, integrations and services required. Our team works with you to map the expected path during discovery and identify the timings based on your individual program needs.
Commercial models are tailored to program size, structure and growth trajectory.
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 are starting, scaling or looking for specific payment capabilities, our North American team will map the right path to grow your payments program.
