Bring together the platform, regulated infrastructure and regional expertise needed to issue, move and manage money through one experienced payments partner.
Global scale. Local expertise across the UK and Europe.
EML acts as issuer, processor and programme manager, bringing regulated infrastructure, proprietary processing and programme operations together through one platform and one experienced team.
Support e-money programmes across the UK and European markets through EML’s applicable EMI licences and authorisations. Separately, EML supports Limited Network Exclusion (LNE) programmes designed for use within defined merchant networks.
Combine physical and digital cards, different funding models, spend controls, multi-currency capabilities and branded experiences around your use case.
Connect issuing, processing, programme management, controls and transaction data through one platform, reducing the number of systems and providers your team has to manage.
Operate through EML’s FCA-authorised UK entity and Central Bank of Ireland-authorised EU entity, rather than building the regulated infrastructure yourself.
Bring scheme access, card issuance and programme setup together, including private-label programmes across supported UK and European markets.
Launch card programmes designed for use within a defined network of participating merchants.
Support card payments alongside European account-to-account money movement through SEPA.
Issue eligible digital cards and support provisioning into Apple Pay, Google Pay, and Samsung Pay alongside physical card programmes.
Access the relevant safeguarding, KYC/AML, transaction monitoring, governance and operational support applicable to your programme’s structure and regulatory requirements.
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 power Fair for You’s payments, helping make affordable credit more accessible to UK households underserved by mainstream finance.
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Applicable programmes can run under EML Payment's Financial Conduct Authority (FCA) authorisation in the UK or Central Bank of Ireland authorisation in Ireland, subject to programme design and approval.
Programmes can be structured to serve several European markets from our EU authorised entity, with multi-currency wallets behind them. Scope by market is confirmed during discovery.
Licensed programme funds are safeguarded under the arrangements that apply to each authorised entity. We provide the detail your risk and procurement teams need as part of scoping.
Yes. EML group companies are suppliers on leading UK public sector procurement frameworks, including NEPO and GCA frameworks, helping eligible organisations access our payment solutions through established procurement routes.
Yes. White label, co branded and EML branded options are available across cards and digital experiences including app and wallet.
Yes. Connect through APIs for full integration, or through portals for self service, depending on the control your programme needs.
Yes. Programmes 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 end user services, fraud, reporting, disputes and programme operations through call centre, email and web channels, or work alongside your existing team.
Timelines depend on programme structure, integrations and services required. Our team will map the expected path during discovery.
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 UK and European team will map the right path to help you grow your payments programme.
